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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 | $347,098 | $89,370+288.4% | $141,197+145.8% | $72,976+375.6% |
| Participation rate | 52.0% | 75.1%-23.1pp | 82.5%-30.5pp | 69.5%-17.5pp |
| Annual return | 13.59% | 111.88%-98.3pp | 71.41%-57.8pp | 81.02%-67.4pp |
| Employer contribution / active EE | $3,819 | $3,115+22.6% | $4,736-19.4% | $2,440+56.5% |
| Participant deferral / active EE | $6,051 | $5,419+11.7% | $6,710-9.8% | $3,608+67.7% |
| Admin fee / account holder | $4,131 | $5,957-30.7% | $10,265-59.8% | $5,124-19.4% |