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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 | $14,680 | $59,111-75.2% | $86,451-83.0% | $68,490-78.6% |
| Participation rate | 34.6% | 75.2%-40.6pp | 80.3%-45.7pp | 67.9%-33.3pp |
| Annual return | -18.79% | -0.22%-18.6pp | 4398.51%-4417.3pp | -7.85%-10.9pp |
| Employer contribution / active EE | $0 | $2,519-100.0% | $3,770-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,503 | $5,900-23.7% | $6,953-35.2% | $4,028+11.8% |
| Admin fee / account holder | $4,944 | $5,640-12.3% | $6,734-26.6% | $5,403-8.5% |