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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 | $336,186 | $176,838+90.1% | $146,685+129.2% | $167,518+100.7% |
| Participation rate | 66.7% | 83.6%-17.0pp | 80.1%-13.4pp | 82.1%-15.4pp |
| Annual return | 4.82% | 24.04%-19.2pp | 22.75%-17.9pp | 478.71%-473.9pp |
| Employer contribution / active EE | $4,488 | $5,161-13.0% | $4,137+8.5% | $4,838-7.2% |
| Participant deferral / active EE | $7,784 | $6,441+20.9% | $5,507+41.4% | $6,342+22.7% |
| Admin fee / account holder | $138,570 | $13,262+944.9% | $10,281+1247.8% | $12,312+1025.4% |