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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 | $160,070-70.2% | $147,117-67.6% | $145,897-67.3% |
| Participation rate | 0.0% | 84.0%-84.0pp | 82.2%-82.2pp | 80.3%-80.3pp |
| Annual return | 6.10% | 98.69%-92.6pp | 420.54%-414.4pp | 552.29%-546.2pp |
| Employer contribution / active EE | $1,694 | $5,285-67.9% | $4,932-65.7% | $4,663-63.7% |
| Participant deferral / active EE | $11,312 | $8,419+34.4% | $8,065+40.3% | $6,689+69.1% |
| Admin fee / account holder | $47,031 | $15,035+212.8% | $12,993+262.0% | $13,390+251.2% |