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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 | $17,376 | $64,719-73.2% | $112,249-84.5% | $68,486-74.6% |
| Participation rate | 48.2% | 67.2%-18.9pp | 75.1%-26.8pp | 67.9%-19.7pp |
| Annual return | -18.09% | -11.40%-6.7pp | 27.48%-45.6pp | -7.85%-10.2pp |
| Employer contribution / active EE | $1,475 | $2,747-46.3% | $3,636-59.4% | $2,597-43.2% |
| Participant deferral / active EE | $3,894 | $3,565+9.2% | $4,729-17.6% | $4,028-3.3% |
| Admin fee / account holder | $1,873 | $5,232-64.2% | $6,412-70.8% | $5,404-65.3% |