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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 | $170,289 | $72,071+136.3% | $68,368+149.1% | $137,256+24.1% |
| Participation rate | 0.0% | 76.2%-76.2pp | 73.8%-73.8pp | 80.0%-80.0pp |
| Annual return | 6.48% | 353.14%-346.7pp | 292.57%-286.1pp | 220.34%-213.9pp |
| Employer contribution / active EE | $31,280 | $2,788+1022.0% | $2,649+1080.9% | $4,156+652.6% |
| Participant deferral / active EE | $34,260 | $4,410+676.9% | $4,123+731.0% | $6,407+434.7% |
| Admin fee / account holder | $991,887 | $5,336+18490.1% | $5,150+19160.7% | $12,270+7983.7% |