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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 | $6,686 | $115,814-94.2% | $101,275-93.4% | $158,982-95.8% |
| Participation rate | 10.0% | 79.4%-69.4pp | 75.8%-65.8pp | 82.0%-72.0pp |
| Annual return | 0.00% | 56.16%-56.2pp | 46.48%-46.5pp | 302.99%-303.0pp |
| Employer contribution / active EE | $2,981 | $4,176-28.6% | $3,660-18.5% | $4,763-37.4% |
| Participant deferral / active EE | $2,796 | $4,958-43.6% | $4,371-36.0% | $5,983-53.3% |
| Admin fee / account holder | $3,060 | $7,249-57.8% | $5,948-48.6% | $11,252-72.8% |