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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 | $15,417 | $105,867-85.4% | $90,760-83.0% | $134,532-88.5% |
| Participation rate | 68.2% | 78.3%-10.1pp | 75.7%-7.5pp | 81.2%-13.0pp |
| Annual return | -12.59% | -10.99%-1.6pp | -12.16%-0.4pp | 418.27%-430.9pp |
| Employer contribution / active EE | $1,480 | $3,464-57.3% | $2,922-49.4% | $4,741-68.8% |
| Participant deferral / active EE | $4,037 | $5,217-22.6% | $4,565-11.6% | $6,401-36.9% |
| Admin fee / account holder | $23,064 | $13,936+65.5% | $8,444+173.1% | $11,429+101.8% |