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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 | $32,870 | $148,623-77.9% | $135,974-75.8% | $139,466-76.4% |
| Participation rate | 0.0% | 83.9%-83.9pp | 81.9%-81.9pp | 80.3%-80.3pp |
| Annual return | 3.73% | 79.30%-75.6pp | 68.30%-64.6pp | 373.66%-369.9pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,859-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $21,639 | $8,103+167.1% | $7,760+178.9% | $6,712+222.4% |
| Admin fee / account holder | $69,774 | $12,406+462.4% | $10,767+548.1% | $11,409+511.6% |