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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 | $31,082 | $94,529-67.1% | $140,019-77.8% | $64,173-51.6% |
| Participation rate | 60.7% | 84.1%-23.4pp | 87.5%-26.8pp | 69.6%-8.9pp |
| Annual return | -6.79% | 7.77%-14.6pp | 651.15%-657.9pp | 7.63%-14.4pp |
| Employer contribution / active EE | $1,342 | $3,812-64.8% | $5,605-76.1% | $2,381-43.6% |
| Participant deferral / active EE | $2,446 | $5,250-53.4% | $6,927-64.7% | $3,470-29.5% |
| Admin fee / account holder | $374 | $6,741-94.4% | $10,705-96.5% | $4,887-92.3% |