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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 | $27,439 | $81,331-66.3% | $155,534-82.4% | $80,935-66.1% |
| Participation rate | 0.0% | 66.3%-66.3pp | 78.2%-78.2pp | 67.7%-67.7pp |
| Annual return | 8.68% | 33.37%-24.7pp | 64.92%-56.2pp | 35.66%-27.0pp |
| Employer contribution / active EE | $2,285 | $3,105-26.4% | $4,675-51.1% | $2,757-17.1% |
| Participant deferral / active EE | $4,357 | $3,454+26.1% | $5,630-22.6% | $4,299+1.3% |
| Admin fee / account holder | $713 | $7,999-91.1% | $15,900-95.5% | $6,924-89.7% |