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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 | $13,887 | $64,719-78.5% | $112,249-87.6% | $68,486-79.7% |
| Participation rate | 53.1% | 67.2%-14.1pp | 75.1%-22.0pp | 67.9%-14.8pp |
| Annual return | -17.81% | -11.40%-6.4pp | 27.48%-45.3pp | -7.85%-10.0pp |
| Employer contribution / active EE | $886 | $2,747-67.7% | $3,636-75.6% | $2,597-65.9% |
| Participant deferral / active EE | $2,072 | $3,565-41.9% | $4,729-56.2% | $4,028-48.6% |
| Admin fee / account holder | $5,006 | $5,232-4.3% | $6,412-21.9% | $5,404-7.4% |