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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 | $15,245 | $43,730-65.1% | $121,208-87.4% | $64,181-76.2% |
| Participation rate | 62.3% | 58.3%+4.0pp | 71.8%-9.4pp | 69.6%-7.3pp |
| Annual return | -4.36% | 68.94%-73.3pp | 16.93%-21.3pp | 7.63%-12.0pp |
| Employer contribution / active EE | $979 | $1,297-24.5% | $4,023-75.7% | $2,381-58.9% |
| Participant deferral / active EE | $2,028 | $2,281-11.1% | $3,345-39.4% | $3,470-41.5% |
| Admin fee / account holder | $2,683 | $3,502-23.4% | $5,020-46.6% | $4,887-45.1% |