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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 | $256,990 | $112,131+129.2% | $95,964+167.8% | $158,982+61.6% |
| Participation rate | 50.0% | 79.0%-29.0pp | 77.1%-27.1pp | 82.0%-32.0pp |
| Annual return | 1.14% | 171.19%-170.0pp | 91.64%-90.5pp | 302.99%-301.8pp |
| Employer contribution / active EE | $3,274 | $3,199+2.3% | $2,541+28.8% | $4,763-31.3% |
| Participant deferral / active EE | $7,189 | $4,784+50.3% | $4,167+72.5% | $5,983+20.1% |
| Admin fee / account holder | $35,756 | $10,136+252.8% | $6,797+426.0% | $11,252+217.8% |