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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 | $18,473 | $50,947-63.7% | $74,549-75.2% | $64,173-71.2% |
| Participation rate | 65.6% | 61.1%+4.6pp | 69.1%-3.5pp | 69.6%-3.9pp |
| Annual return | -6.55% | -1.85%-4.7pp | 32.53%-39.1pp | 7.63%-14.2pp |
| Employer contribution / active EE | $469 | $1,115-58.0% | $1,961-76.1% | $2,381-80.3% |
| Participant deferral / active EE | $1,125 | $2,302-51.1% | $3,108-63.8% | $3,470-67.6% |
| Admin fee / account holder | $3,394 | $4,221-19.6% | $5,059-32.9% | $4,887-30.6% |