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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 | $3,421 | $116,203-97.1% | $93,621-96.3% | $152,897-97.8% |
| Participation rate | 62.5% | 78.1%-15.6pp | 75.8%-13.3pp | 82.5%-20.0pp |
| Annual return | 0.00% | 35.96%-36.0pp | 32.76%-32.8pp | 345.43%-345.4pp |
| Employer contribution / active EE | $1,151 | $3,219-64.3% | $2,719-57.7% | $4,764-75.8% |
| Participant deferral / active EE | $1,426 | $4,605-69.0% | $4,070-65.0% | $5,851-75.6% |
| Admin fee / account holder | $955 | $10,751-91.1% | $7,890-87.9% | $11,599-91.8% |