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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 | $98,814 | $77,908+26.8% | $149,696-34.0% | $75,173+31.4% |
| Participation rate | 0.0% | 65.6%-65.6pp | 78.8%-78.8pp | 67.2%-67.2pp |
| Annual return | 12.75% | 31.73%-19.0pp | 134.46%-121.7pp | 160.72%-148.0pp |
| Employer contribution / active EE | $8,508 | $3,138+171.1% | $4,821+76.5% | $2,671+218.5% |
| Participant deferral / active EE | $3,233 | $3,411-5.2% | $5,682-43.1% | $4,126-21.6% |
| Admin fee / account holder | $2,200 | $5,950-63.0% | $13,212-83.3% | $5,651-61.1% |