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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 | $2,365 | $101,063-97.7% | $81,473-97.1% | $147,586-98.4% |
| Participation rate | 47.6% | 74.5%-26.8pp | 68.0%-20.3pp | 82.8%-35.2pp |
| Annual return | 13.12% | 32.41%-19.3pp | 38.78%-25.7pp | 578.59%-565.5pp |
| Employer contribution / active EE | $0 | $3,206-100.0% | $2,568-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $809 | $4,242-80.9% | $3,537-77.1% | $5,439-85.1% |
| Admin fee / account holder | $410 | $5,812-92.9% | $4,561-91.0% | $10,886-96.2% |