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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 | $410,136 | $85,060+382.2% | $70,565+481.2% | $139,487+194.0% |
| Participation rate | 36.8% | 73.9%-37.1pp | 68.4%-31.5pp | 80.3%-43.5pp |
| Annual return | 8.93% | 30.39%-21.5pp | 32.79%-23.9pp | 373.84%-364.9pp |
| Employer contribution / active EE | $1,178 | $3,912-69.9% | $2,976-60.4% | $4,755-75.2% |
| Participant deferral / active EE | $7,334 | $5,891+24.5% | $4,568+60.5% | $6,713+9.3% |
| Admin fee / account holder | $201,610 | $8,932+2157.1% | $6,430+3035.5% | $11,407+1667.4% |