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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 | $6,919 | $81,870-91.5% | $119,622-94.2% | $68,486-89.9% |
| Participation rate | 50.0% | 71.9%-21.9pp | 79.3%-29.3pp | 67.9%-17.9pp |
| Annual return | -12.08% | -23.82%+11.7pp | -14.98%+2.9pp | -7.85%-4.2pp |
| Employer contribution / active EE | $1,149 | $2,692-57.3% | $4,232-72.9% | $2,597-55.8% |
| Participant deferral / active EE | $1,932 | $4,148-53.4% | $5,601-65.5% | $4,028-52.0% |
| Admin fee / account holder | $1,530 | $6,583-76.8% | $10,328-85.2% | $5,404-71.7% |