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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 | $14,834 | $77,816-80.9% | $123,552-88.0% | $64,173-76.9% |
| Participation rate | 49.4% | 74.7%-25.3pp | 82.3%-32.9pp | 69.6%-20.2pp |
| Annual return | -0.04% | 12.49%-12.5pp | 119.20%-119.2pp | 7.63%-7.7pp |
| Employer contribution / active EE | $1,605 | $3,014-46.8% | $4,628-65.3% | $2,381-32.6% |
| Participant deferral / active EE | $3,116 | $5,240-40.5% | $6,426-51.5% | $3,470-10.2% |
| Admin fee / account holder | $6,119 | $5,519+10.9% | $9,285-34.1% | $4,887+25.2% |