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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 | $13,238 | $81,870-83.8% | $119,634-88.9% | $68,490-80.7% |
| Participation rate | 67.3% | 71.9%-4.5pp | 79.3%-11.9pp | 67.9%-0.5pp |
| Annual return | -17.91% | -23.82%+5.9pp | -14.98%-2.9pp | -7.85%-10.1pp |
| Employer contribution / active EE | $1,139 | $2,692-57.7% | $4,232-73.1% | $2,597-56.1% |
| Participant deferral / active EE | $2,349 | $4,148-43.4% | $5,601-58.1% | $4,028-41.7% |
| Admin fee / account holder | $2,509 | $6,583-61.9% | $10,329-75.7% | $5,403-53.6% |