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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 | $6,315 | $92,684-93.2% | $82,706-92.4% | $134,509-95.3% |
| Participation rate | 61.1% | 75.2%-14.1pp | 72.6%-11.4pp | 81.2%-20.1pp |
| Annual return | -17.20% | 945.84%-963.0pp | 701.76%-719.0pp | 418.13%-435.3pp |
| Employer contribution / active EE | $1,380 | $3,272-57.8% | $3,007-54.1% | $4,741-70.9% |
| Participant deferral / active EE | $1,854 | $4,800-61.4% | $4,394-57.8% | $6,400-71.0% |
| Admin fee / account holder | $576 | $5,982-90.4% | $5,329-89.2% | $11,427-95.0% |