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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 | $13,739 | $57,352-76.0% | $83,830-83.6% | $64,173-78.6% |
| Participation rate | 57.5% | 68.6%-11.1pp | 76.1%-18.6pp | 69.6%-12.0pp |
| Annual return | 0.00% | 11.38%-11.4pp | 850.97%-851.0pp | 7.63%-7.6pp |
| Employer contribution / active EE | $906 | $2,546-64.4% | $3,631-75.0% | $2,381-61.9% |
| Participant deferral / active EE | $1,484 | $2,993-50.4% | $4,082-63.6% | $3,470-57.2% |
| Admin fee / account holder | $715 | $4,046-82.3% | $5,479-87.0% | $4,887-85.4% |