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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 | $292,622 | $78,015+275.1% | $178,505+63.9% | $80,959+261.4% |
| Participation rate | 68.2% | 65.7%+2.5pp | 77.1%-8.9pp | 67.7%+0.5pp |
| Annual return | 8.47% | 18.10%-9.6pp | 27.16%-18.7pp | 35.67%-27.2pp |
| Employer contribution / active EE | $14,966 | $2,281+556.0% | $3,955+278.4% | $2,757+442.8% |
| Participant deferral / active EE | $8,923 | $4,406+102.5% | $6,280+42.1% | $4,300+107.5% |
| Admin fee / account holder | $57,615 | $7,160+704.6% | $10,428+452.5% | $6,925+731.9% |