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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 | $4,074 | $93,117-95.6% | $77,096-94.7% | $134,532-97.0% |
| Participation rate | 61.5% | 74.5%-13.0pp | 67.9%-6.4pp | 81.2%-19.7pp |
| Annual return | 0.00% | 62.67%-62.7pp | 42.35%-42.3pp | 418.27%-418.3pp |
| Employer contribution / active EE | $1,023 | $3,420-70.1% | $2,814-63.6% | $4,741-78.4% |
| Participant deferral / active EE | $1,447 | $5,241-72.4% | $4,429-67.3% | $6,401-77.4% |
| Admin fee / account holder | $335 | $6,948-95.2% | $5,428-93.8% | $11,429-97.1% |