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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 | $7,337 | $46,697-84.3% | $117,533-93.8% | $68,486-89.3% |
| Participation rate | 56.3% | 56.8%-0.5pp | 70.6%-14.4pp | 67.9%-11.6pp |
| Annual return | -11.01% | -14.52%+3.5pp | 29.77%-40.8pp | -7.85%-3.2pp |
| Employer contribution / active EE | $898 | $1,506-40.4% | $4,179-78.5% | $2,597-65.4% |
| Participant deferral / active EE | $1,145 | $2,637-56.6% | $4,072-71.9% | $4,028-71.6% |
| Admin fee / account holder | $535 | $4,023-86.7% | $5,647-90.5% | $5,404-90.1% |