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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 | $5,447 | $78,694-93.1% | $67,652-91.9% | $125,389-95.7% |
| Participation rate | 66.7% | 78.8%-12.1pp | 75.7%-9.0pp | 83.2%-16.5pp |
| Annual return | 0.00% | 9.46%-9.5pp | 6625.40%-6625.4pp | 282.24%-282.2pp |
| Employer contribution / active EE | $1,107 | $3,044-63.6% | $2,266-51.1% | $4,866-77.2% |
| Participant deferral / active EE | $3,177 | $4,292-26.0% | $3,560-10.8% | $5,352-40.6% |
| Admin fee / account holder | $762 | $7,403-89.7% | $4,821-84.2% | $9,541-92.0% |