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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 | $16,745 | $55,449-69.8% | $83,831-80.0% | $56,289-70.3% |
| Participation rate | 36.6% | 68.0%-31.4pp | 76.1%-39.5pp | 69.9%-33.2pp |
| Annual return | -3.04% | -1.38%-1.7pp | 850.99%-854.0pp | -9.96%+6.9pp |
| Employer contribution / active EE | $1,148 | $2,430-52.8% | $3,631-68.4% | $2,111-45.6% |
| Participant deferral / active EE | $1,698 | $2,935-42.1% | $4,082-58.4% | $3,350-49.3% |
| Admin fee / account holder | $1,524 | $656+132.2% | $5,479-72.2% | $521+192.4% |