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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 | $19,067 | $73,009-73.9% | $90,756-79.0% | $68,495-72.2% |
| Participation rate | 67.4% | 70.8%-3.4pp | 75.7%-8.3pp | 67.9%-0.5pp |
| Annual return | -17.89% | -13.81%-4.1pp | -12.16%-5.7pp | -7.84%-10.0pp |
| Employer contribution / active EE | $5,016 | $2,193+128.8% | $2,922+71.7% | $2,596+93.2% |
| Participant deferral / active EE | $2,047 | $3,626-43.6% | $4,565-55.2% | $4,028-49.2% |
| Admin fee / account holder | $1,764 | $5,896-70.1% | $8,445-79.1% | $5,403-67.4% |