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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 | $30,484 | $97,125-68.6% | $86,233-64.6% | $137,256-77.8% |
| Participation rate | 0.0% | 74.2%-74.2pp | 69.0%-69.0pp | 80.0%-80.0pp |
| Annual return | 8.85% | 74.19%-65.3pp | 61.39%-52.5pp | 220.34%-211.5pp |
| Employer contribution / active EE | $4,266 | $2,841+50.2% | $2,504+70.4% | $4,156+2.7% |
| Participant deferral / active EE | $5,378 | $5,180+3.8% | $4,559+18.0% | $6,407-16.1% |
| Admin fee / account holder | $5,173,643 | $9,725+53101.7% | $8,342+61918.2% | $12,270+42064.4% |