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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $3,413 | $102,422-96.7% | $147,117-97.7% | $80,959-95.8% |
| Participation rate | 40.4% | 75.9%-35.5pp | 82.2%-41.8pp | 67.7%-27.3pp |
| Annual return | -103.25% | 135.16%-238.4pp | 420.54%-523.8pp | 35.67%-138.9pp |
| Employer contribution / active EE | $2,312 | $3,717-37.8% | $4,932-53.1% | $2,757-16.1% |
| Participant deferral / active EE | $5,282 | $6,652-20.6% | $8,065-34.5% | $4,300+22.8% |
| Admin fee / account holder | $6,308 | $7,953-20.7% | $12,993-51.4% | $6,925-8.9% |