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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 | $15,877 | $77,817-79.6% | $123,553-87.1% | $64,173-75.3% |
| Participation rate | 69.0% | 74.7%-5.7pp | 82.3%-13.2pp | 69.6%-0.5pp |
| Annual return | -2.89% | 12.49%-15.4pp | 119.21%-122.1pp | 7.63%-10.5pp |
| Employer contribution / active EE | $2,435 | $3,014-19.2% | $4,628-47.4% | $2,381+2.3% |
| Participant deferral / active EE | $4,550 | $5,240-13.2% | $6,426-29.2% | $3,470+31.1% |
| Admin fee / account holder | $3,090 | $5,519-44.0% | $9,284-66.7% | $4,887-36.8% |