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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 | $15,476 | $131,835-88.3% | $108,582-85.7% | $273,972-94.4% |
| Participation rate | 69.2% | 83.5%-14.2pp | 79.6%-10.3pp | 83.0%-13.8pp |
| Annual return | 13.21% | -91.57%+104.8pp | -51.70%+64.9pp | 41.46%-28.2pp |
| Employer contribution / active EE | $2,026 | $4,913-58.8% | $3,758-46.1% | $4,869-58.4% |
| Participant deferral / active EE | $4,520 | $5,127-11.9% | $4,311+4.8% | $5,287-14.5% |
| Admin fee / account holder | $628 | $10,253-93.9% | $7,645-91.8% | $10,133-93.8% |