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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 | $5,204 | $52,353-90.1% | $120,225-95.7% | $82,448-93.7% |
| Participation rate | 35.5% | 58.3%-22.8pp | 69.6%-34.1pp | 68.1%-32.6pp |
| Annual return | 23.32% | 61.85%-38.5pp | 439.23%-415.9pp | 41.64%-18.3pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,046 | $2,627-60.2% | $3,999-73.8% | $4,139-74.7% |
| Admin fee / account holder | $962 | $4,363-77.9% | $5,696-83.1% | $7,234-86.7% |