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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 | $33,862 | $75,541-55.2% | $152,093-77.7% | $82,637-59.0% |
| Participation rate | 0.0% | 66.5%-66.5pp | 77.8%-77.8pp | 68.1%-68.1pp |
| Annual return | 9.53% | 32.56%-23.0pp | 66.36%-56.8pp | 53.51%-44.0pp |
| Employer contribution / active EE | $2,072 | $2,622-21.0% | $4,175-50.4% | $2,552-18.8% |
| Participant deferral / active EE | $4,311 | $3,206+34.5% | $5,451-20.9% | $4,126+4.5% |
| Admin fee / account holder | $1,937 | $6,405-69.8% | $14,497-86.6% | $7,339-73.6% |