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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 | $47,718 | $159,934-70.2% | $147,005-67.5% | $145,959-67.3% |
| Participation rate | 0.0% | 84.0%-84.0pp | 82.2%-82.2pp | 80.3%-80.3pp |
| Annual return | 6.10% | 98.24%-92.1pp | 418.76%-412.7pp | 561.95%-555.8pp |
| Employer contribution / active EE | $1,694 | $5,287-68.0% | $4,934-65.7% | $4,661-63.7% |
| Participant deferral / active EE | $11,312 | $8,427+34.2% | $8,070+40.2% | $6,689+69.1% |
| Admin fee / account holder | $47,031 | $15,053+212.4% | $13,006+261.6% | $13,398+251.0% |