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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 | $13,463 | $50,947-73.6% | $74,551-81.9% | $64,173-79.0% |
| Participation rate | 57.3% | 61.1%-3.7pp | 69.1%-11.8pp | 69.6%-12.2pp |
| Annual return | -5.58% | -1.85%-3.7pp | 32.53%-38.1pp | 7.63%-13.2pp |
| Employer contribution / active EE | $794 | $1,115-28.8% | $1,961-59.5% | $2,381-66.6% |
| Participant deferral / active EE | $3,367 | $2,302+46.3% | $3,108+8.3% | $3,470-3.0% |
| Admin fee / account holder | $2,475 | $4,221-41.4% | $5,059-51.1% | $4,887-49.4% |