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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 | $13,963 | $64,719-78.4% | $112,249-87.6% | $68,486-79.6% |
| Participation rate | 69.4% | 67.2%+2.2pp | 75.1%-5.7pp | 67.9%+1.5pp |
| Annual return | -16.73% | -11.40%-5.3pp | 27.48%-44.2pp | -7.85%-8.9pp |
| Employer contribution / active EE | $1,698 | $2,747-38.2% | $3,636-53.3% | $2,597-34.6% |
| Participant deferral / active EE | $3,611 | $3,565+1.3% | $4,729-23.6% | $4,028-10.3% |
| Admin fee / account holder | $301 | $5,232-94.2% | $6,412-95.3% | $5,404-94.4% |