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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 | $102,595+66.0% | $94,057+81.0% | $154,746+10.0% |
| Participation rate | 0.0% | 76.0%-76.0pp | 73.3%-73.3pp | 80.7%-80.7pp |
| Annual return | 6.48% | 583.42%-576.9pp | 480.62%-474.1pp | 172.34%-165.9pp |
| Employer contribution / active EE | $31,280 | $3,147+893.9% | $2,933+966.4% | $4,379+614.3% |
| Participant deferral / active EE | $34,260 | $5,118+569.4% | $4,709+627.5% | $6,730+409.0% |
| Admin fee / account holder | $991,887 | $7,736+12721.8% | $7,244+13591.6% | $14,365+6804.8% |