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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 | $19,056 | $64,176-70.3% | $112,263-83.0% | $66,949-71.5% |
| Participation rate | 39.7% | 68.4%-28.8pp | 75.1%-35.4pp | 69.8%-30.2pp |
| Annual return | -17.27% | -13.80%-3.5pp | 27.49%-44.8pp | 1.57%-18.8pp |
| Employer contribution / active EE | $1,426 | $3,007-52.6% | $3,636-60.8% | $2,545-44.0% |
| Participant deferral / active EE | $2,173 | $3,694-41.2% | $4,729-54.1% | $4,239-48.7% |
| Admin fee / account holder | $4,827 | $626+671.3% | $6,410-24.7% | $594+713.2% |