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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 | $2,573 | $109,411-97.6% | $89,435-97.1% | $158,982-98.4% |
| Participation rate | 65.2% | 74.3%-9.1pp | 68.0%-2.8pp | 82.0%-16.7pp |
| Annual return | 0.00% | 345.68%-345.7pp | 245.55%-245.6pp | 302.99%-303.0pp |
| Employer contribution / active EE | $0 | $3,173-100.0% | $2,587-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $1,483 | $4,600-67.8% | $3,890-61.9% | $5,983-75.2% |
| Admin fee / account holder | $640 | $6,159-89.6% | $4,884-86.9% | $11,252-94.3% |