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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 | $11,981 | $129,959-90.8% | $104,301-88.5% | $134,532-91.1% |
| Participation rate | 61.1% | 79.5%-18.4pp | 73.3%-12.2pp | 81.2%-20.1pp |
| Annual return | -19.45% | 42.04%-61.5pp | 24.61%-44.1pp | 418.27%-437.7pp |
| Employer contribution / active EE | $1,257 | $4,185-70.0% | $3,373-62.7% | $4,741-73.5% |
| Participant deferral / active EE | $1,696 | $5,589-69.7% | $4,626-63.3% | $6,401-73.5% |
| Admin fee / account holder | $773 | $9,325-91.7% | $7,340-89.5% | $11,429-93.2% |