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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 | $6,415 | $97,125-93.4% | $86,233-92.6% | $137,256-95.3% |
| Participation rate | 0.0% | 74.2%-74.2pp | 69.0%-69.0pp | 80.0%-80.0pp |
| Annual return | 3.83% | 74.19%-70.4pp | 61.39%-57.6pp | 220.34%-216.5pp |
| Employer contribution / active EE | $536 | $2,841-81.1% | $2,504-78.6% | $4,156-87.1% |
| Participant deferral / active EE | $992 | $5,180-80.8% | $4,559-78.2% | $6,407-84.5% |
| Admin fee / account holder | $26,843 | $9,725+176.0% | $8,342+221.8% | $12,270+118.8% |