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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 | $9,426 | $73,839-87.2% | $143,788-93.4% | $68,495-86.2% |
| Participation rate | 60.6% | 66.7%-6.1pp | 80.3%-19.7pp | 67.9%-7.3pp |
| Annual return | -11.80% | 1.01%-12.8pp | -0.03%-11.8pp | -7.84%-4.0pp |
| Employer contribution / active EE | $1,427 | $3,184-55.2% | $4,952-71.2% | $2,596-45.0% |
| Participant deferral / active EE | $2,623 | $3,384-22.5% | $5,638-53.5% | $4,028-34.9% |
| Admin fee / account holder | $1,015 | $5,755-82.4% | $14,675-93.1% | $5,403-81.2% |