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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 | $454,213 | $96,524+370.6% | $75,900+498.4% | $152,909+197.0% |
| Participation rate | 42.1% | 76.2%-34.1pp | 69.3%-27.2pp | 82.5%-40.4pp |
| Annual return | 3.41% | 33.93%-30.5pp | 30.73%-27.3pp | 345.46%-342.1pp |
| Employer contribution / active EE | $1,321 | $3,311-60.1% | $2,501-47.2% | $4,764-72.3% |
| Participant deferral / active EE | $6,968 | $4,554+53.0% | $3,604+93.4% | $5,851+19.1% |
| Admin fee / account holder | $379 | $8,082-95.3% | $5,421-93.0% | $11,601-96.7% |