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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 | $388,125 | $184,014+110.9% | $161,149+140.8% | $138,895+179.4% |
| Participation rate | 41.7% | 82.1%-40.4pp | 78.8%-37.2pp | 79.9%-38.3pp |
| Annual return | 7.33% | 21.52%-14.2pp | 21.16%-13.8pp | 145.39%-138.1pp |
| Employer contribution / active EE | $7,530 | $5,055+49.0% | $4,360+72.7% | $4,194+79.5% |
| Participant deferral / active EE | $9,413 | $6,909+36.2% | $6,153+53.0% | $6,396+47.2% |
| Admin fee / account holder | $147,424 | $18,027+717.8% | $15,194+870.3% | $12,562+1073.6% |