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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 | $52,782 | $117,829-55.2% | $102,423-48.5% | $145,877-63.8% |
| Participation rate | 0.0% | 78.6%-78.6pp | 76.5%-76.5pp | 80.3%-80.3pp |
| Annual return | 2.61% | 31.83%-29.2pp | 29.42%-26.8pp | 551.28%-548.7pp |
| Employer contribution / active EE | $3,718 | $3,615+2.9% | $3,023+23.0% | $4,663-20.3% |
| Participant deferral / active EE | $0 | $5,732-100.0% | $5,054-100.0% | $6,691-100.0% |
| Admin fee / account holder | $11,683 | $13,335-12.4% | $9,455+23.6% | $13,402-12.8% |