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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 | $5,062 | $49,177-89.7% | $79,467-93.6% | $64,173-92.1% |
| Participation rate | 67.2% | 65.0%+2.2pp | 73.3%-6.1pp | 69.6%-2.3pp |
| Annual return | -0.24% | -1.16%+0.9pp | 718.30%-718.5pp | 7.63%-7.9pp |
| Employer contribution / active EE | $997 | $2,076-52.0% | $2,800-64.4% | $2,381-58.1% |
| Participant deferral / active EE | $911 | $2,821-67.7% | $3,704-75.4% | $3,470-73.8% |
| Admin fee / account holder | $1,423 | $3,839-62.9% | $5,104-72.1% | $4,887-70.9% |