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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 | $12,452 | $211,946-94.1% | $169,452-92.7% | $135,380-90.8% |
| Participation rate | 42.9% | 82.6%-39.8pp | 77.8%-34.9pp | 82.6%-39.8pp |
| Annual return | -6.37% | 3.26%-9.6pp | 1.83%-8.2pp | 519.81%-526.2pp |
| Employer contribution / active EE | $715 | $5,117-86.0% | $4,157-82.8% | $4,779-85.0% |
| Participant deferral / active EE | $1,318 | $6,075-78.3% | $5,277-75.0% | $5,609-76.5% |
| Admin fee / account holder | $525 | $11,472-95.4% | $9,110-94.2% | $10,828-95.2% |