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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 | $8,476 | $197,819-95.7% | $155,789-94.6% | $125,389-93.2% |
| Participation rate | 55.6% | 82.1%-26.5pp | 76.1%-20.5pp | 83.2%-27.6pp |
| Annual return | -3.20% | 86.73%-89.9pp | 71.54%-74.7pp | 282.24%-285.4pp |
| Employer contribution / active EE | $1,686 | $4,850-65.2% | $3,839-56.1% | $4,866-65.4% |
| Participant deferral / active EE | $2,157 | $5,631-61.7% | $4,798-55.0% | $5,352-59.7% |
| Admin fee / account holder | $3,942 | $9,544-58.7% | $7,477-47.3% | $9,541-58.7% |