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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 | $7,022 | $45,872-84.7% | $77,100-90.9% | $68,490-89.7% |
| Participation rate | 54.1% | 55.9%-1.9pp | 67.9%-13.9pp | 67.9%-13.8pp |
| Annual return | -15.52% | 1.73%-17.2pp | 42.35%-57.9pp | -7.85%-7.7pp |
| Employer contribution / active EE | $714 | $1,650-56.7% | $2,815-74.6% | $2,597-72.5% |
| Participant deferral / active EE | $1,247 | $2,963-57.9% | $4,430-71.9% | $4,028-69.0% |
| Admin fee / account holder | $1,281 | $3,041-57.9% | $5,443-76.5% | $5,403-76.3% |