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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 | $548,523 | $82,288+566.6% | $68,794+697.3% | $134,509+307.8% |
| Participation rate | 25.0% | 75.1%-50.1pp | 69.0%-44.0pp | 81.2%-56.2pp |
| Annual return | -29.57% | -2.19%-27.4pp | -6.37%-23.2pp | 418.13%-447.7pp |
| Employer contribution / active EE | $1,224 | $3,301-62.9% | $2,656-53.9% | $4,741-74.2% |
| Participant deferral / active EE | $3,059 | $4,738-35.4% | $3,941-22.4% | $6,400-52.2% |
| Admin fee / account holder | $6,423 | $6,482-0.9% | $4,934+30.2% | $11,427-43.8% |