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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 | $5,099 | $47,944-89.4% | $67,834-92.5% | $62,881-91.9% |
| Participation rate | 56.3% | 61.1%-4.8pp | 68.8%-12.5pp | 69.3%-13.1pp |
| Annual return | 0.00% | 11.77%-11.8pp | 138.47%-138.5pp | 20.14%-20.1pp |
| Employer contribution / active EE | $1,142 | $1,562-26.9% | $2,403-52.5% | $2,281-49.9% |
| Participant deferral / active EE | $2,212 | $2,247-1.6% | $3,160-30.0% | $3,203-31.0% |
| Admin fee / account holder | $339 | $3,712-90.9% | $4,622-92.7% | $4,296-92.1% |