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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 | $20,684 | $71,878-71.2% | $86,698-76.1% | $68,486-69.8% |
| Participation rate | 65.6% | 72.2%-6.7pp | 76.6%-11.0pp | 67.9%-2.3pp |
| Annual return | -13.85% | 3.53%-17.4pp | 35.95%-49.8pp | -7.85%-6.0pp |
| Employer contribution / active EE | $2,584 | $2,173+18.9% | $2,837-8.9% | $2,597-0.5% |
| Participant deferral / active EE | $5,069 | $3,779+34.1% | $4,656+8.9% | $4,028+25.9% |
| Admin fee / account holder | $2,327 | $6,113-61.9% | $7,493-68.9% | $5,404-56.9% |