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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 | $13,564 | $52,678-74.3% | $75,784-82.1% | $59,633-77.3% |
| Participation rate | 62.5% | 67.2%-4.7pp | 75.8%-13.3pp | 68.7%-6.2pp |
| Annual return | -0.51% | 2.95%-3.5pp | 9.68%-10.2pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $1,441 | $2,193-34.3% | $3,323-56.6% | $2,203-34.6% |
| Participant deferral / active EE | $2,104 | $2,591-18.8% | $3,652-42.4% | $3,192-34.1% |
| Admin fee / account holder | $8,881 | $3,610+146.0% | $5,300+67.6% | $4,297+106.7% |