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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 | $253,607 | $138,102+83.6% | $125,381+102.3% | $134,532+88.5% |
| Participation rate | 53.8% | 84.5%-30.6pp | 82.4%-28.5pp | 81.2%-27.4pp |
| Annual return | -44.19% | 750.73%-794.9pp | 572.31%-616.5pp | 418.27%-462.5pp |
| Employer contribution / active EE | $3,106 | $5,245-40.8% | $4,815-35.5% | $4,741-34.5% |
| Participant deferral / active EE | $3,389 | $7,801-56.5% | $7,448-54.5% | $6,401-47.0% |
| Admin fee / account holder | $45,656 | $11,568+294.7% | $10,007+356.2% | $11,429+299.5% |