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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 | $309,417 | $117,829+162.6% | $102,423+202.1% | $145,877+112.1% |
| Participation rate | 69.2% | 78.6%-9.4pp | 76.5%-7.3pp | 80.3%-11.1pp |
| Annual return | 8.31% | 31.83%-23.5pp | 29.42%-21.1pp | 551.28%-543.0pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $16,942 | $5,732+195.5% | $5,054+235.2% | $6,691+153.2% |
| Admin fee / account holder | $1,861 | $13,335-86.0% | $9,455-80.3% | $13,402-86.1% |