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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 | $7,807 | $42,383-81.6% | $76,518-89.8% | $64,173-87.8% |
| Participation rate | 51.0% | 58.1%-7.1pp | 68.0%-17.0pp | 69.6%-18.5pp |
| Annual return | -5.98% | -16.54%+10.6pp | -0.27%-5.7pp | 7.63%-13.6pp |
| Employer contribution / active EE | $259 | $1,563-83.4% | $2,647-90.2% | $2,381-89.1% |
| Participant deferral / active EE | $773 | $2,566-69.9% | $3,836-79.9% | $3,470-77.7% |
| Admin fee / account holder | $656 | $3,198-79.5% | $4,849-86.5% | $4,887-86.6% |