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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 | $14,641 | $64,729-77.4% | $112,263-87.0% | $68,490-78.6% |
| Participation rate | 46.3% | 67.2%-20.8pp | 75.1%-28.7pp | 67.9%-21.6pp |
| Annual return | -18.16% | -11.40%-6.8pp | 27.49%-45.6pp | -7.85%-10.3pp |
| Employer contribution / active EE | $1,306 | $2,746-52.4% | $3,636-64.1% | $2,597-49.7% |
| Participant deferral / active EE | $2,147 | $3,566-39.8% | $4,729-54.6% | $4,028-46.7% |
| Admin fee / account holder | $3,861 | $5,222-26.1% | $6,410-39.8% | $5,403-28.5% |