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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 | $18,209 | $81,870-77.8% | $119,608-84.8% | $68,495-73.4% |
| Participation rate | 67.7% | 71.9%-4.2pp | 79.3%-11.5pp | 67.9%-0.1pp |
| Annual return | -16.46% | -23.82%+7.4pp | -14.98%-1.5pp | -7.84%-8.6pp |
| Employer contribution / active EE | $2,794 | $2,692+3.8% | $4,232-34.0% | $2,596+7.6% |
| Participant deferral / active EE | $2,546 | $4,148-38.6% | $5,601-54.5% | $4,028-36.8% |
| Admin fee / account holder | $1,150 | $6,583-82.5% | $10,326-88.9% | $5,403-78.7% |