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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 | $132,385 | $165,381-20.0% | $149,730-11.6% | $158,966-16.7% |
| Participation rate | 0.0% | 84.6%-84.6pp | 82.5%-82.5pp | 82.0%-82.0pp |
| Annual return | 4.49% | 348.29%-343.8pp | 276.70%-272.2pp | 302.95%-298.5pp |
| Employer contribution / active EE | $0 | $5,104-100.0% | $4,645-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $5,075 | $7,182-29.3% | $6,843-25.8% | $5,983-15.2% |
| Admin fee / account holder | $5,999 | $10,809-44.5% | $9,310-35.6% | $11,250-46.7% |