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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 | $16,598 | $82,674-79.9% | $125,381-86.8% | $68,486-75.8% |
| Participation rate | 68.8% | 75.1%-6.3pp | 82.4%-13.6pp | 67.9%+0.9pp |
| Annual return | -18.79% | -5.97%-12.8pp | 572.31%-591.1pp | -7.85%-10.9pp |
| Employer contribution / active EE | $1,396 | $3,382-58.7% | $4,815-71.0% | $2,597-46.2% |
| Participant deferral / active EE | $3,845 | $6,111-37.1% | $7,448-48.4% | $4,028-4.5% |
| Admin fee / account holder | $695 | $6,277-88.9% | $10,007-93.1% | $5,404-87.1% |