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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 | $16,013 | $124,330-87.1% | $109,173-85.3% | $167,536-90.4% |
| Participation rate | 50.0% | 79.5%-29.5pp | 75.9%-25.9pp | 82.1%-32.1pp |
| Annual return | 0.00% | 26.04%-26.0pp | 25.75%-25.8pp | 478.82%-478.8pp |
| Employer contribution / active EE | $2,281 | $4,209-45.8% | $3,723-38.7% | $4,839-52.9% |
| Participant deferral / active EE | $8,525 | $5,256+62.2% | $4,654+83.2% | $6,342+34.4% |
| Admin fee / account holder | $6,304 | $7,974-20.9% | $6,755-6.7% | $12,315-48.8% |