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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 | $8,088 | $64,729-87.5% | $112,263-92.8% | $68,490-88.2% |
| Participation rate | 55.9% | 67.2%-11.3pp | 75.1%-19.2pp | 67.9%-12.0pp |
| Annual return | 0.00% | -11.40%+11.4pp | 27.49%-27.5pp | -7.85%+7.9pp |
| Employer contribution / active EE | $1,736 | $2,746-36.8% | $3,636-52.2% | $2,597-33.1% |
| Participant deferral / active EE | $3,606 | $3,566+1.1% | $4,729-23.8% | $4,028-10.5% |
| Admin fee / account holder | $311 | $5,222-94.1% | $6,410-95.2% | $5,403-94.3% |