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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 | $18,240 | $48,364-62.3% | $71,796-74.6% | $62,881-71.0% |
| Participation rate | 65.6% | 60.6%+5.0pp | 69.1%-3.5pp | 69.3%-3.7pp |
| Annual return | 0.00% | 13.16%-13.2pp | 78.04%-78.0pp | 20.14%-20.1pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,048 | $2,091-49.9% | $2,794-62.5% | $3,203-67.3% |
| Admin fee / account holder | $331 | $3,771-91.2% | $4,815-93.1% | $4,296-92.3% |