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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 | $9,906 | $53,162-81.4% | $91,227-89.1% | $68,490-85.5% |
| Participation rate | 46.9% | 63.2%-16.3pp | 73.2%-26.3pp | 67.9%-21.0pp |
| Annual return | 0.00% | -3.14%+3.1pp | 114.14%-114.1pp | -7.85%+7.9pp |
| Employer contribution / active EE | $673 | $1,709-60.6% | $2,851-76.4% | $2,597-74.1% |
| Participant deferral / active EE | $1,504 | $2,974-49.4% | $4,234-64.5% | $4,028-62.7% |
| Admin fee / account holder | $394 | $4,493-91.2% | $5,423-92.7% | $5,403-92.7% |