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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 | $9,534 | $118,875-92.0% | $96,572-90.1% | $167,553-94.3% |
| Participation rate | 66.7% | 75.5%-8.8pp | 69.8%-3.2pp | 82.1%-15.4pp |
| Annual return | 0.00% | 50.50%-50.5pp | 37.79%-37.8pp | 478.89%-478.9pp |
| Employer contribution / active EE | $1,050 | $3,121-66.4% | $2,357-55.5% | $4,840-78.3% |
| Participant deferral / active EE | $5,450 | $4,617+18.0% | $3,850+41.6% | $6,343-14.1% |
| Admin fee / account holder | $442 | $8,070-94.5% | $6,183-92.9% | $12,316-96.4% |