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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 | $15,539 | $73,102-78.7% | $123,552-87.4% | $56,287-72.4% |
| Participation rate | 51.5% | 74.3%-22.9pp | 82.3%-30.8pp | 69.9%-18.4pp |
| Annual return | -6.66% | 3.01%-9.7pp | 119.20%-125.9pp | -9.96%+3.3pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $4,628-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,625 | $5,423-51.6% | $6,426-59.1% | $3,350-21.6% |
| Admin fee / account holder | $8,386 | $554+1414.4% | $9,285-9.7% | $521+1509.7% |