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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 | $19,400 | $73,019-73.4% | $90,766-78.6% | $68,490-71.7% |
| Participation rate | 36.4% | 70.8%-34.5pp | 75.7%-39.3pp | 67.9%-31.5pp |
| Annual return | -15.39% | -13.81%-1.6pp | -12.16%-3.2pp | -7.85%-7.5pp |
| Employer contribution / active EE | $834 | $2,193-62.0% | $2,922-71.5% | $2,597-67.9% |
| Participant deferral / active EE | $1,621 | $3,626-55.3% | $4,565-64.5% | $4,028-59.8% |
| Admin fee / account holder | $1,736 | $5,897-70.6% | $8,446-79.4% | $5,403-67.9% |