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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 | $16,445 | $64,719-74.6% | $112,249-85.3% | $68,486-76.0% |
| Participation rate | 45.9% | 67.2%-21.2pp | 75.1%-29.1pp | 67.9%-21.9pp |
| Annual return | -17.01% | -11.40%-5.6pp | 27.48%-44.5pp | -7.85%-9.2pp |
| Employer contribution / active EE | $702 | $2,747-74.4% | $3,636-80.7% | $2,597-73.0% |
| Participant deferral / active EE | $1,581 | $3,565-55.7% | $4,729-66.6% | $4,028-60.7% |
| Admin fee / account holder | $1,285 | $5,232-75.4% | $6,412-80.0% | $5,404-76.2% |