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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 | $11,403 | $87,542-87.0% | $75,782-85.0% | $125,393-90.9% |
| Participation rate | 50.0% | 80.2%-30.2pp | 75.8%-25.8pp | 83.2%-33.2pp |
| Annual return | 0.00% | 13.48%-13.5pp | 9.68%-9.7pp | 282.23%-282.2pp |
| Employer contribution / active EE | $916 | $3,930-76.7% | $3,323-72.4% | $4,866-81.2% |
| Participant deferral / active EE | $2,117 | $4,229-50.0% | $3,652-42.0% | $5,351-60.4% |
| Admin fee / account holder | $6,166 | $6,502-5.2% | $5,300+16.4% | $9,541-35.4% |