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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 | $162,416 | $101,618+59.8% | $93,063+74.5% | $137,256+18.3% |
| Participation rate | 0.0% | 74.9%-74.9pp | 72.1%-72.1pp | 80.0%-80.0pp |
| Annual return | 7.99% | 223.95%-216.0pp | 34.15%-26.2pp | 220.34%-212.3pp |
| Employer contribution / active EE | $15,658 | $2,707+478.4% | $2,476+532.4% | $4,156+276.8% |
| Participant deferral / active EE | $40,019 | $4,279+835.2% | $3,958+911.0% | $6,407+524.6% |
| Admin fee / account holder | $331,795 | $6,198+5252.8% | $6,033+5399.5% | $12,270+2604.1% |