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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 | $5,188 | $67,823-92.4% | $52,425-90.1% | $137,256-96.2% |
| Participation rate | 0.0% | 63.9%-63.9pp | 55.6%-55.6pp | 80.0%-80.0pp |
| Annual return | -4.86% | 219.11%-224.0pp | 302.12%-307.0pp | 220.34%-225.2pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $914-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,335 | $2,288-41.7% | $1,790-25.4% | $6,407-79.2% |
| Admin fee / account holder | $2,433,594 | $2,844+85464.2% | $2,495+97443.1% | $12,270+19733.4% |