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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 | $4,273 | $67,340-93.7% | $60,888-93.0% | $134,493-96.8% |
| Participation rate | 66.7% | 76.2%-9.5pp | 73.1%-6.4pp | 81.2%-14.6pp |
| Annual return | -14.55% | 49.97%-64.5pp | 16.91%-31.5pp | 418.01%-432.6pp |
| Employer contribution / active EE | $1,987 | $3,096-35.8% | $2,702-26.5% | $4,740-58.1% |
| Participant deferral / active EE | $7,949 | $4,538+75.2% | $3,817+108.2% | $6,400+24.2% |
| Admin fee / account holder | $21,309 | $4,583+364.9% | $3,225+560.7% | $11,425+86.5% |