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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 | $13,165 | $59,116-77.7% | $86,438-84.8% | $68,486-80.8% |
| Participation rate | 63.0% | 75.2%-12.2pp | 80.3%-17.3pp | 67.9%-4.8pp |
| Annual return | -18.42% | -0.23%-18.2pp | 4397.19%-4415.6pp | -7.85%-10.6pp |
| Employer contribution / active EE | $1,918 | $2,519-23.9% | $3,769-49.1% | $2,597-26.1% |
| Participant deferral / active EE | $3,801 | $5,902-35.6% | $6,952-45.3% | $4,028-5.6% |
| Admin fee / account holder | $665 | $5,639-88.2% | $6,733-90.1% | $5,404-87.7% |