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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 | $16,831 | $45,566-63.1% | $64,105-73.7% | $59,633-71.8% |
| Participation rate | 58.8% | 60.2%-1.3pp | 68.2%-9.3pp | 68.7%-9.8pp |
| Annual return | -2.47% | 4.95%-7.4pp | 791.24%-793.7pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $371 | $934-60.3% | $1,820-79.6% | $2,203-83.2% |
| Participant deferral / active EE | $991 | $2,057-51.8% | $2,822-64.9% | $3,192-68.9% |
| Admin fee / account holder | $1,545 | $3,268-52.7% | $4,499-65.7% | $4,297-64.0% |