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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 | $15,882 | $77,817-79.6% | $123,553-87.1% | $64,173-75.3% |
| Participation rate | 67.9% | 74.7%-6.9pp | 82.3%-14.4pp | 69.6%-1.7pp |
| Annual return | -6.81% | 12.49%-19.3pp | 119.21%-126.0pp | 7.63%-14.4pp |
| Employer contribution / active EE | $3,507 | $3,014+16.3% | $4,628-24.2% | $2,381+47.3% |
| Participant deferral / active EE | $7,325 | $5,240+39.8% | $6,426+14.0% | $3,470+111.1% |
| Admin fee / account holder | $1,739 | $5,519-68.5% | $9,284-81.3% | $4,887-64.4% |