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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 | $9,169 | $134,001-93.2% | $112,258-91.8% | $134,509-93.2% |
| Participation rate | 65.2% | 78.6%-13.3pp | 75.1%-9.8pp | 81.2%-16.0pp |
| Annual return | -18.33% | 47.15%-65.5pp | 27.47%-45.8pp | 418.13%-436.5pp |
| Employer contribution / active EE | $1,371 | $4,039-66.1% | $3,636-62.3% | $4,741-71.1% |
| Participant deferral / active EE | $3,017 | $5,291-43.0% | $4,728-36.2% | $6,400-52.9% |
| Admin fee / account holder | $511 | $7,491-93.2% | $6,411-92.0% | $11,427-95.5% |