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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.
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $276,918 | $73,863+274.9% | $143,797+92.6% | $68,490+304.3% |
| Participation rate | 61.3% | 66.7%-5.4pp | 80.3%-19.0pp | 67.9%-6.6pp |
| Annual return | -20.55% | 0.91%-21.5pp | -0.04%-20.5pp | -7.85%-12.7pp |
| Employer contribution / active EE | $4,937 | $3,185+55.0% | $4,952-0.3% | $2,597+90.1% |
| Participant deferral / active EE | $8,437 | $3,385+149.3% | $5,638+49.6% | $4,028+109.5% |
| Admin fee / account holder | $2,339 | $5,756-59.4% | $14,679-84.1% | $5,403-56.7% |