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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 | $294,439 | $61,815+376.3% | $97,295+202.6% | $80,959+263.7% |
| Participation rate | 53.1% | 63.5%-10.4pp | 72.7%-19.5pp | 67.7%-14.5pp |
| Annual return | 10.33% | -558.73%+569.1pp | 75.62%-65.3pp | 35.67%-25.3pp |
| Employer contribution / active EE | $0 | $1,836-100.0% | $2,723-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $6,246 | $3,027+106.3% | $4,264+46.5% | $4,300+45.2% |
| Admin fee / account holder | $16,655 | $5,166+222.4% | $5,646+195.0% | $6,925+140.5% |