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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 | $16,623 | $82,674-79.9% | $125,363-86.7% | $68,495-75.7% |
| Participation rate | 67.7% | 75.0%-7.3pp | 82.4%-14.6pp | 67.9%-0.1pp |
| Annual return | -14.70% | -5.97%-8.7pp | 572.15%-586.8pp | -7.84%-6.9pp |
| Employer contribution / active EE | $2,545 | $3,382-24.7% | $4,815-47.1% | $2,596-2.0% |
| Participant deferral / active EE | $4,504 | $6,111-26.3% | $7,447-39.5% | $4,028+11.8% |
| Admin fee / account holder | $7,108 | $6,276+13.2% | $10,005-29.0% | $5,403+31.5% |