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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 | $14,831 | $64,729-77.1% | $112,263-86.8% | $68,490-78.3% |
| Participation rate | 29.5% | 67.2%-37.6pp | 75.1%-45.5pp | 67.9%-38.4pp |
| Annual return | -9.62% | -11.40%+1.8pp | 27.49%-37.1pp | -7.85%-1.8pp |
| Employer contribution / active EE | $915 | $2,746-66.7% | $3,636-74.8% | $2,597-64.7% |
| Participant deferral / active EE | $2,600 | $3,566-27.1% | $4,729-45.0% | $4,028-35.5% |
| Admin fee / account holder | $6,772 | $5,222+29.7% | $6,410+5.6% | $5,403+25.3% |