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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 | $16,215 | $131,835-87.7% | $108,582-85.1% | $273,972-94.1% |
| Participation rate | 62.5% | 83.5%-21.0pp | 79.6%-17.1pp | 83.0%-20.5pp |
| Annual return | 4.78% | -91.57%+96.4pp | -51.70%+56.5pp | 41.46%-36.7pp |
| Employer contribution / active EE | $0 | $4,913-100.0% | $3,758-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,982 | $5,127-61.3% | $4,311-54.0% | $5,287-62.5% |
| Admin fee / account holder | $1,140 | $10,253-88.9% | $7,645-85.1% | $10,133-88.7% |