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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 | $282,170 | $110,551+155.2% | $80,741+249.5% | $167,518+68.4% |
| Participation rate | 40.0% | 64.0%-24.0pp | 54.2%-14.2pp | 82.1%-42.1pp |
| Annual return | -2.05% | 120.57%-122.6pp | 87.30%-89.4pp | 478.71%-480.8pp |
| Employer contribution / active EE | $1,212 | $1,543-21.4% | $1,160+4.5% | $4,838-75.0% |
| Participant deferral / active EE | $5,500 | $2,870+91.6% | $2,145+156.4% | $6,342-13.3% |
| Admin fee / account holder | $3,030 | $4,547-33.4% | $3,380-10.4% | $12,312-75.4% |