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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 | $6,599 | $58,493-88.7% | $84,021-92.1% | $72,975-91.0% |
| Participation rate | 54.5% | 61.2%-6.7pp | 69.0%-14.5pp | 69.5%-14.9pp |
| Annual return | 0.00% | 28.93%-28.9pp | 71.32%-71.3pp | 81.01%-81.0pp |
| Employer contribution / active EE | $1,349 | $1,163+16.0% | $1,984-32.0% | $2,440-44.7% |
| Participant deferral / active EE | $2,340 | $2,394-2.3% | $3,239-27.8% | $3,608-35.1% |
| Admin fee / account holder | $398 | $4,569-91.3% | $6,102-93.5% | $5,124-92.2% |