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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 | $9,968 | $168,635-94.1% | $147,617-93.2% | $125,389-92.1% |
| Participation rate | 66.7% | 88.8%-22.1pp | 84.6%-18.0pp | 83.2%-16.5pp |
| Annual return | -3.34% | 77.65%-81.0pp | 61.98%-65.3pp | 282.24%-285.6pp |
| Employer contribution / active EE | $5,966 | $6,252-4.6% | $5,564+7.2% | $4,866+22.6% |
| Participant deferral / active EE | $5,695 | $5,507+3.4% | $4,895+16.3% | $5,352+6.4% |
| Admin fee / account holder | $1,341 | $13,580-90.1% | $11,612-88.5% | $9,541-85.9% |