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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 | $15,521 | $167,362-90.7% | $143,799-89.2% | $134,532-88.5% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -17.57% | 0.47%-18.0pp | -0.04%-17.5pp | 418.27%-435.8pp |
| Employer contribution / active EE | $2,600 | $5,620-53.7% | $4,952-47.5% | $4,741-45.2% |
| Participant deferral / active EE | $6,210 | $6,447-3.7% | $5,638+10.1% | $6,401-3.0% |
| Admin fee / account holder | $982 | $18,094-94.6% | $14,677-93.3% | $11,429-91.4% |