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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 | $382,033 | $185,312+106.2% | $161,489+136.6% | $154,746+146.9% |
| Participation rate | 35.7% | 82.5%-46.7pp | 78.7%-43.0pp | 80.7%-45.0pp |
| Annual return | 9.40% | 103.84%-94.4pp | 89.72%-80.3pp | 172.34%-162.9pp |
| Employer contribution / active EE | $1,459 | $4,769-69.4% | $4,268-65.8% | $4,379-66.7% |
| Participant deferral / active EE | $2,264 | $6,350-64.3% | $5,630-59.8% | $6,730-66.4% |
| Admin fee / account holder | $5,302 | $18,654-71.6% | $16,006-66.9% | $14,365-63.1% |