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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 | $4,504 | $99,345-95.5% | $84,753-94.7% | $273,972-98.4% |
| Participation rate | 30.4% | 80.7%-50.3pp | 76.6%-46.2pp | 83.0%-52.6pp |
| Annual return | 0.00% | 22.93%-22.9pp | 22.78%-22.8pp | 41.46%-41.5pp |
| Employer contribution / active EE | $715 | $4,214-83.0% | $3,574-80.0% | $4,869-85.3% |
| Participant deferral / active EE | $1,294 | $4,270-69.7% | $3,712-65.1% | $5,287-75.5% |
| Admin fee / account holder | $337 | $6,645-94.9% | $5,333-93.7% | $10,133-96.7% |