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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 | $14,359 | $99,053-85.5% | $88,179-83.7% | $138,895-89.7% |
| Participation rate | 0.0% | 74.2%-74.2pp | 69.1%-69.1pp | 79.9%-79.9pp |
| Annual return | 8.81% | 78.17%-69.4pp | 64.97%-56.2pp | 145.39%-136.6pp |
| Employer contribution / active EE | $6,944 | $2,882+140.9% | $2,549+172.4% | $4,194+65.6% |
| Participant deferral / active EE | $11,137 | $5,225+113.1% | $4,614+141.4% | $6,396+74.1% |
| Admin fee / account holder | $158,902 | $8,748+1716.4% | $7,673+1970.9% | $12,562+1164.9% |