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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 | $6,838 | $124,330-94.5% | $109,173-93.7% | $167,536-95.9% |
| Participation rate | 61.1% | 79.5%-18.3pp | 75.9%-14.8pp | 82.1%-21.0pp |
| Annual return | 0.00% | 26.04%-26.0pp | 25.75%-25.8pp | 478.82%-478.8pp |
| Employer contribution / active EE | $1,684 | $4,209-60.0% | $3,723-54.8% | $4,839-65.2% |
| Participant deferral / active EE | $4,573 | $5,256-13.0% | $4,654-1.7% | $6,342-27.9% |
| Admin fee / account holder | $464 | $7,974-94.2% | $6,755-93.1% | $12,315-96.2% |