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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 | $15,778 | $72,303-78.2% | $86,698-81.8% | $64,824-75.7% |
| Participation rate | 62.5% | 80.4%-17.9pp | 76.6%-14.1pp | 71.5%-9.0pp |
| Annual return | 0.00% | 392.77%-392.8pp | 35.96%-36.0pp | 32.84%-32.8pp |
| Employer contribution / active EE | $1,274 | $2,393-46.8% | $2,837-55.1% | $2,507-49.2% |
| Participant deferral / active EE | $2,958 | $4,660-36.5% | $4,656-36.5% | $4,311-31.4% |
| Admin fee / account holder | $308 | $174+76.7% | $7,492-95.9% | $188+63.7% |