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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 | $4,872 | $32,117-84.8% | $71,089-93.1% | $64,173-92.4% |
| Participation rate | 39.7% | 42.7%-3.0pp | 54.6%-14.9pp | 69.6%-29.9pp |
| Annual return | -6.81% | -5.57%-1.2pp | 650.65%-657.5pp | 7.63%-14.4pp |
| Employer contribution / active EE | $728 | $712+2.2% | $1,088-33.1% | $2,381-69.4% |
| Participant deferral / active EE | $875 | $1,263-30.7% | $1,873-53.3% | $3,470-74.8% |
| Admin fee / account holder | $10,652 | $2,759+286.1% | $3,082+245.6% | $4,887+117.9% |