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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 | $15,076 | $167,533-91.0% | $151,645-90.1% | $134,545-88.8% |
| Participation rate | 57.1% | 88.4%-31.2pp | 87.5%-30.4pp | 81.2%-24.1pp |
| Annual return | -17.99% | 7.81%-25.8pp | 3.34%-21.3pp | 418.37%-436.4pp |
| Employer contribution / active EE | $3,019 | $6,828-55.8% | $6,165-51.0% | $4,742-36.3% |
| Participant deferral / active EE | $4,857 | $8,985-45.9% | $8,363-41.9% | $6,401-24.1% |
| Admin fee / account holder | $1,099 | $13,781-92.0% | $11,614-90.5% | $11,431-90.4% |