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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 | $9,351 | $104,251-91.0% | $91,004-89.7% | $147,586-93.7% |
| Participation rate | 66.7% | 78.2%-11.6pp | 75.6%-8.9pp | 82.8%-16.2pp |
| Annual return | 0.00% | 27.06%-27.1pp | 4.60%-4.6pp | 578.59%-578.6pp |
| Employer contribution / active EE | $1,981 | $3,116-36.4% | $2,456-19.4% | $4,876-59.4% |
| Participant deferral / active EE | $4,393 | $4,195+4.7% | $3,548+23.8% | $5,439-19.2% |
| Admin fee / account holder | $790 | $8,948-91.2% | $5,417-85.4% | $10,886-92.7% |