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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 | $305,775 | $81,446+275.4% | $103,374+195.8% | $80,874+278.1% |
| Participation rate | 57.1% | 66.9%-9.7pp | 74.5%-17.4pp | 67.6%-10.5pp |
| Annual return | 9.52% | 25.57%-16.1pp | 24.89%-15.4pp | 35.62%-26.1pp |
| Employer contribution / active EE | $0 | $3,107-100.0% | $3,869-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,274 | $3,870+88.0% | $5,058+43.8% | $4,297+69.3% |
| Admin fee / account holder | $28,272 | $6,715+321.0% | $8,394+236.8% | $6,935+307.7% |