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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 | $9,516 | $133,998-92.9% | $112,263-91.5% | $134,545-92.9% |
| Participation rate | 47.6% | 78.6%-30.9pp | 75.1%-27.4pp | 81.2%-33.6pp |
| Annual return | -19.34% | 47.17%-66.5pp | 27.49%-46.8pp | 418.37%-437.7pp |
| Employer contribution / active EE | $1,510 | $4,040-62.6% | $3,636-58.5% | $4,742-68.2% |
| Participant deferral / active EE | $2,153 | $5,292-59.3% | $4,729-54.5% | $6,401-66.4% |
| Admin fee / account holder | $668 | $7,493-91.1% | $6,410-89.6% | $11,431-94.2% |