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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 | $81,504+275.2% | $102,437+198.5% | $80,959+277.7% |
| Participation rate | 57.1% | 66.9%-9.7pp | 74.5%-17.4pp | 67.7%-10.5pp |
| Annual return | 9.52% | 25.60%-16.1pp | 24.95%-15.4pp | 35.67%-26.2pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,274 | $3,871+87.9% | $5,060+43.7% | $4,300+69.1% |
| Admin fee / account holder | $28,272 | $6,719+320.7% | $8,388+237.0% | $6,925+308.2% |