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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 | $52,934 | $76,522-30.8% | $56,033-5.5% | $145,884-63.7% |
| Participation rate | 0.0% | 63.2%-63.2pp | 52.5%-52.5pp | 80.3%-80.3pp |
| Annual return | 4.35% | 3014.28%-3009.9pp | 1711.38%-1707.0pp | 551.85%-547.5pp |
| Employer contribution / active EE | $273 | $1,382-80.2% | $1,041-73.7% | $4,662-94.1% |
| Participant deferral / active EE | $886 | $2,624-66.2% | $1,954-54.7% | $6,690-86.8% |
| Admin fee / account holder | $321 | $3,328-90.4% | $2,827-88.7% | $13,392-97.6% |