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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 | $62,759 | $68,097-7.8% | $62,929-0.3% | $137,256-54.3% |
| Participation rate | 0.0% | 77.4%-77.4pp | 73.1%-73.1pp | 80.0%-80.0pp |
| Annual return | 10.15% | 1859.11%-1849.0pp | 1063.93%-1053.8pp | 220.34%-210.2pp |
| Employer contribution / active EE | $2,356 | $2,811-16.2% | $2,505-6.0% | $4,156-43.3% |
| Participant deferral / active EE | $6,059 | $4,553+33.1% | $3,888+55.8% | $6,407-5.4% |
| Admin fee / account holder | $20,293 | $6,521+211.2% | $5,065+300.7% | $12,270+65.4% |