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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 | $27,433 | $105,960-74.1% | $81,726-66.4% | $158,982-82.7% |
| Participation rate | 0.0% | 75.6%-75.6pp | 72.0%-72.0pp | 82.0%-82.0pp |
| Annual return | 3.14% | 38.19%-35.1pp | 29.49%-26.4pp | 302.99%-299.9pp |
| Employer contribution / active EE | $2,238 | $7,805-71.3% | $4,311-48.1% | $4,763-53.0% |
| Participant deferral / active EE | $4,098 | $13,011-68.5% | $7,108-42.4% | $5,983-31.5% |
| Admin fee / account holder | $13,700 | $8,494+61.3% | $5,160+165.5% | $11,252+21.8% |