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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 | $22,850 | $72,404-68.4% | $110,243-79.3% | $64,173-64.4% |
| Participation rate | 61.3% | 73.3%-12.0pp | 79.8%-18.5pp | 69.6%-8.3pp |
| Annual return | -3.09% | -6.29%+3.2pp | 314.76%-317.8pp | 7.63%-10.7pp |
| Employer contribution / active EE | $1,787 | $2,282-21.7% | $3,827-53.3% | $2,381-24.9% |
| Participant deferral / active EE | $3,253 | $3,469-6.2% | $4,672-30.4% | $3,470-6.2% |
| Admin fee / account holder | $16,380 | $5,664+189.2% | $8,548+91.6% | $4,887+235.2% |