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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 | $76,608-30.9% | $56,077-5.6% | $145,877-63.7% |
| Participation rate | 0.0% | 63.2%-63.2pp | 52.5%-52.5pp | 80.3%-80.3pp |
| Annual return | 4.35% | 3009.59%-3005.2pp | 1709.28%-1704.9pp | 551.28%-546.9pp |
| Employer contribution / active EE | $273 | $1,382-80.2% | $1,040-73.7% | $4,663-94.1% |
| Participant deferral / active EE | $886 | $2,624-66.2% | $1,954-54.7% | $6,691-86.8% |
| Admin fee / account holder | $321 | $3,325-90.4% | $2,825-88.6% | $13,402-97.6% |