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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 | $20,956 | $84,482-75.2% | $125,363-83.3% | $66,930-68.7% |
| Participation rate | 54.5% | 76.4%-22.0pp | 82.4%-27.9pp | 69.8%-15.4pp |
| Annual return | -17.54% | -8.49%-9.0pp | 572.15%-589.7pp | 1.57%-19.1pp |
| Employer contribution / active EE | $1,526 | $3,553-57.0% | $4,815-68.3% | $2,545-40.0% |
| Participant deferral / active EE | $5,056 | $6,782-25.4% | $7,447-32.1% | $4,238+19.3% |
| Admin fee / account holder | $7,466 | $685+990.1% | $10,005-25.4% | $593+1158.1% |