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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 | $18,753 | $171,867-89.1% | $149,721-87.5% | $147,586-87.3% |
| Participation rate | 60.0% | 88.2%-28.2pp | 87.1%-27.1pp | 82.8%-22.8pp |
| Annual return | 0.00% | 2113.36%-2113.4pp | 1501.67%-1501.7pp | 578.59%-578.6pp |
| Employer contribution / active EE | $10,863 | $6,275+73.1% | $5,444+99.5% | $4,876+122.8% |
| Participant deferral / active EE | $11,600 | $7,270+59.6% | $6,568+76.6% | $5,439+113.3% |
| Admin fee / account holder | $3,715 | $13,799-73.1% | $11,282-67.1% | $10,886-65.9% |