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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 | $6,644 | $82,678-92.0% | $125,391-94.7% | $68,490-90.3% |
| Participation rate | 63.0% | 75.1%-12.0pp | 82.4%-19.3pp | 67.9%-4.9pp |
| Annual return | 0.00% | -5.97%+6.0pp | 572.41%-572.4pp | -7.85%+7.9pp |
| Employer contribution / active EE | $1,679 | $3,382-50.3% | $4,816-65.1% | $2,597-35.3% |
| Participant deferral / active EE | $2,946 | $6,111-51.8% | $7,448-60.4% | $4,028-26.9% |
| Admin fee / account holder | $428 | $6,277-93.2% | $10,009-95.7% | $5,403-92.1% |