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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 | $14,682 | $71,878-79.6% | $86,698-83.1% | $68,486-78.6% |
| Participation rate | 57.1% | 72.2%-15.1pp | 76.6%-19.4pp | 67.9%-10.8pp |
| Annual return | -15.69% | 3.53%-19.2pp | 35.95%-51.6pp | -7.85%-7.8pp |
| Employer contribution / active EE | $779 | $2,173-64.2% | $2,837-72.5% | $2,597-70.0% |
| Participant deferral / active EE | $2,059 | $3,779-45.5% | $4,656-55.8% | $4,028-48.9% |
| Admin fee / account holder | $828 | $6,113-86.5% | $7,493-88.9% | $5,404-84.7% |