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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 | $11,520 | $75,962-84.8% | $154,111-92.5% | $64,173-82.0% |
| Participation rate | 42.2% | 70.4%-28.2pp | 83.0%-40.8pp | 69.6%-27.3pp |
| Annual return | -7.39% | 30.32%-37.7pp | 735.18%-742.6pp | 7.63%-15.0pp |
| Employer contribution / active EE | $641 | $3,350-80.9% | $5,298-87.9% | $2,381-73.1% |
| Participant deferral / active EE | $1,159 | $3,175-63.5% | $5,081-77.2% | $3,470-66.6% |
| Admin fee / account holder | $353 | $5,589-93.7% | $13,411-97.4% | $4,887-92.8% |