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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 | $6,501 | $37,463-82.6% | $77,100-91.6% | $66,949-90.3% |
| Participation rate | 17.8% | 52.9%-35.1pp | 67.9%-50.1pp | 69.8%-52.0pp |
| Annual return | 0.00% | -3.25%+3.2pp | 42.35%-42.4pp | 1.57%-1.6pp |
| Employer contribution / active EE | $484 | $1,535-68.5% | $2,815-82.8% | $2,545-81.0% |
| Participant deferral / active EE | $1,125 | $2,621-57.1% | $4,430-74.6% | $4,239-73.5% |
| Admin fee / account holder | $481 | $568-15.3% | $5,443-91.2% | $594-19.0% |