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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 | $9,310 | $50,947-81.7% | $74,551-87.5% | $64,173-85.5% |
| Participation rate | 65.2% | 61.1%+4.2pp | 69.1%-3.9pp | 69.6%-4.4pp |
| Annual return | -3.01% | -1.85%-1.2pp | 32.53%-35.5pp | 7.63%-10.6pp |
| Employer contribution / active EE | $673 | $1,115-39.7% | $1,961-65.7% | $2,381-71.8% |
| Participant deferral / active EE | $2,779 | $2,302+20.8% | $3,108-10.6% | $3,470-19.9% |
| Admin fee / account holder | $672 | $4,221-84.1% | $5,059-86.7% | $4,887-86.2% |