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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 | $15,292 | $64,719-76.4% | $112,249-86.4% | $68,486-77.7% |
| Participation rate | 68.4% | 67.2%+1.3pp | 75.1%-6.6pp | 67.9%+0.5pp |
| Annual return | -17.44% | -11.40%-6.0pp | 27.48%-44.9pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,064 | $2,747-61.3% | $3,636-70.7% | $2,597-59.0% |
| Participant deferral / active EE | $2,103 | $3,565-41.0% | $4,729-55.5% | $4,028-47.8% |
| Admin fee / account holder | $502 | $5,232-90.4% | $6,412-92.2% | $5,404-90.7% |