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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 | $14,350 | $176,688-91.9% | $130,660-89.0% | $152,909-90.6% |
| Participation rate | 62.5% | 79.0%-16.5pp | 71.7%-9.2pp | 82.5%-20.0pp |
| Annual return | 99.58% | 2693.08%-2593.5pp | 1709.29%-1609.7pp | 345.46%-245.9pp |
| Employer contribution / active EE | $973 | $5,743-83.1% | $4,092-76.2% | $4,764-79.6% |
| Participant deferral / active EE | $1,702 | $4,362-61.0% | $3,603-52.8% | $5,851-70.9% |
| Admin fee / account holder | $1,203 | $7,131-83.1% | $5,463-78.0% | $11,601-89.6% |