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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 | $12,777 | $53,128-76.0% | $86,582-85.2% | $70,126-81.8% |
| Participation rate | 59.3% | 65.3%-6.0pp | 73.5%-14.2pp | 69.5%-10.2pp |
| Annual return | 0.00% | 27.66%-27.7pp | 965.08%-965.1pp | 73.15%-73.1pp |
| Employer contribution / active EE | $1,146 | $2,068-44.6% | $2,839-59.6% | $2,343-51.1% |
| Participant deferral / active EE | $2,094 | $2,695-22.3% | $3,609-42.0% | $3,332-37.2% |
| Admin fee / account holder | $442 | $3,584-87.7% | $4,904-91.0% | $4,645-90.5% |