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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 | $301,853 | $118,875+153.9% | $96,572+212.6% | $167,553+80.2% |
| Participation rate | 20.0% | 75.5%-55.5pp | 69.8%-49.8pp | 82.1%-62.1pp |
| Annual return | 0.41% | 50.50%-50.1pp | 37.79%-37.4pp | 478.89%-478.5pp |
| Employer contribution / active EE | $1,168 | $3,121-62.6% | $2,357-50.5% | $4,840-75.9% |
| Participant deferral / active EE | $2,647 | $4,617-42.7% | $3,850-31.2% | $6,343-58.3% |
| Admin fee / account holder | $12,494 | $8,070+54.8% | $6,183+102.1% | $12,316+1.4% |