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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 | $1,960 | $108,226-98.2% | $77,513-97.5% | $158,950-98.8% |
| Participation rate | 52.9% | 64.4%-11.5pp | 54.2%-1.2pp | 82.0%-29.0pp |
| Annual return | 0.00% | 31.67%-31.7pp | 54.81%-54.8pp | 302.91%-302.9pp |
| Employer contribution / active EE | $510 | $1,325-61.5% | $987-48.3% | $4,762-89.3% |
| Participant deferral / active EE | $962 | $2,456-60.8% | $1,861-48.3% | $5,983-83.9% |
| Admin fee / account holder | $416 | $3,710-88.8% | $2,859-85.4% | $11,248-96.3% |