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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 | $17,339 | $81,870-78.8% | $119,634-85.5% | $68,490-74.7% |
| Participation rate | 60.5% | 71.9%-11.4pp | 79.3%-18.7pp | 67.9%-7.4pp |
| Annual return | -14.67% | -23.82%+9.2pp | -14.98%+0.3pp | -7.85%-6.8pp |
| Employer contribution / active EE | $1,082 | $2,692-59.8% | $4,232-74.4% | $2,597-58.3% |
| Participant deferral / active EE | $2,137 | $4,148-48.5% | $5,601-61.8% | $4,028-46.9% |
| Admin fee / account holder | $4,186 | $6,583-36.4% | $10,329-59.5% | $5,403-22.5% |