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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,650 | $90,607-92.7% | $79,467-91.6% | $135,380-95.1% |
| Participation rate | 26.7% | 76.0%-49.4pp | 73.3%-46.7pp | 82.6%-56.0pp |
| Annual return | -8.73% | 977.74%-986.5pp | 718.30%-727.0pp | 519.81%-528.5pp |
| Employer contribution / active EE | $0 | $3,068-100.0% | $2,800-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,101 | $4,050-72.8% | $3,704-70.3% | $5,609-80.4% |
| Admin fee / account holder | $859 | $5,895-85.4% | $5,104-83.2% | $10,828-92.1% |