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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 | $6,972 | $99,032-93.0% | $80,022-91.3% | $135,380-94.8% |
| Participation rate | 60.9% | 78.4%-17.5pp | 75.8%-15.0pp | 82.6%-21.8pp |
| Annual return | -5.17% | 15.39%-20.6pp | 11.22%-16.4pp | 519.81%-525.0pp |
| Employer contribution / active EE | $664 | $3,043-78.2% | $2,468-73.1% | $4,779-86.1% |
| Participant deferral / active EE | $1,832 | $4,282-57.2% | $3,686-50.3% | $5,609-67.3% |
| Admin fee / account holder | $6,989 | $10,436-33.0% | $6,521+7.2% | $10,828-35.5% |