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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 | $3,831 | $211,946-98.2% | $169,452-97.7% | $135,379-97.2% |
| Participation rate | 40.0% | 82.6%-42.6pp | 77.8%-37.8pp | 82.6%-42.6pp |
| Annual return | -2.29% | 3.26%-5.6pp | 1.83%-4.1pp | 519.79%-522.1pp |
| Employer contribution / active EE | $1,484 | $5,117-71.0% | $4,157-64.3% | $4,779-69.0% |
| Participant deferral / active EE | $1,484 | $6,075-75.6% | $5,277-71.9% | $5,609-73.5% |
| Admin fee / account holder | $4,114 | $11,472-64.1% | $9,110-54.8% | $10,828-62.0% |