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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 | $20,139 | $81,870-75.4% | $119,634-83.2% | $68,490-70.6% |
| Participation rate | 65.7% | 71.9%-6.2pp | 79.3%-13.6pp | 67.9%-2.2pp |
| Annual return | -18.71% | -23.82%+5.1pp | -14.98%-3.7pp | -7.85%-10.9pp |
| Employer contribution / active EE | $2,522 | $2,692-6.3% | $4,232-40.4% | $2,597-2.9% |
| Participant deferral / active EE | $3,306 | $4,148-20.3% | $5,601-41.0% | $4,028-17.9% |
| Admin fee / account holder | $3,108 | $6,583-52.8% | $10,329-69.9% | $5,403-42.5% |