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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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,809 | $77,920-1.4% | $149,723-48.7% | $75,177+2.2% |
| Participation rate | 0.0% | 65.6%-65.6pp | 78.8%-78.8pp | 67.2%-67.2pp |
| Annual return | 7.41% | 31.72%-24.3pp | 134.50%-127.1pp | 160.75%-153.3pp |
| Employer contribution / active EE | $1,888 | $3,138-39.8% | $4,821-60.8% | $2,671-29.3% |
| Participant deferral / active EE | $1,658 | $3,411-51.4% | $5,682-70.8% | $4,126-59.8% |
| Admin fee / account holder | $10,279 | $5,951+72.7% | $13,215-22.2% | $5,651+81.9% |