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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 | $20,135 | $125,797-84.0% | $170,043-88.2% | $75,173-73.2% |
| Participation rate | 60.0% | 83.6%-23.6pp | 87.0%-27.0pp | 67.2%-7.2pp |
| Annual return | 0.00% | 27.20%-27.2pp | 53.40%-53.4pp | 160.72%-160.7pp |
| Employer contribution / active EE | $1,711 | $4,616-62.9% | $6,790-74.8% | $2,671-36.0% |
| Participant deferral / active EE | $3,198 | $6,838-53.2% | $10,410-69.3% | $4,126-22.5% |
| Admin fee / account holder | $503 | $8,177-93.8% | $12,824-96.1% | $5,651-91.1% |