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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 | $6,733 | $69,012-90.2% | $160,037-95.8% | $68,490-90.2% |
| Participation rate | 65.5% | 65.4%+0.1pp | 78.0%-12.5pp | 67.9%-2.4pp |
| Annual return | 0.00% | -9.65%+9.7pp | 408.95%-409.0pp | -7.85%+7.9pp |
| Employer contribution / active EE | $1,666 | $2,212-24.7% | $4,226-60.6% | $2,597-35.8% |
| Participant deferral / active EE | $3,010 | $4,212-28.5% | $6,184-51.3% | $4,028-25.3% |
| Admin fee / account holder | $566 | $4,798-88.2% | $8,716-93.5% | $5,403-89.5% |