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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 | $59,143 | $172,111-65.6% | $150,298-60.6% | $137,256-56.9% |
| Participation rate | 0.0% | 81.7%-81.7pp | 77.8%-77.8pp | 80.0%-80.0pp |
| Annual return | 9.86% | 69.37%-59.5pp | 62.79%-52.9pp | 220.34%-210.5pp |
| Employer contribution / active EE | $1,641 | $4,636-64.6% | $4,154-60.5% | $4,156-60.5% |
| Participant deferral / active EE | $3,482 | $6,166-43.5% | $5,453-36.1% | $6,407-45.6% |
| Admin fee / account holder | $2,871 | $16,471-82.6% | $14,116-79.7% | $12,270-76.6% |