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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 | $4,586 | $34,316-86.6% | $74,723-93.9% | $72,976-93.7% |
| Participation rate | 62.0% | 42.4%+19.6pp | 54.5%+7.5pp | 69.5%-7.5pp |
| Annual return | 0.00% | 26.58%-26.6pp | 753.18%-753.2pp | 81.02%-81.0pp |
| Employer contribution / active EE | $1,176 | $692+70.0% | $1,084+8.5% | $2,440-51.8% |
| Participant deferral / active EE | $1,858 | $1,272+46.1% | $1,962-5.3% | $3,608-48.5% |
| Admin fee / account holder | $321 | $2,125-84.9% | $3,335-90.4% | $5,124-93.7% |