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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 | $61,787+376.5% | $97,197+202.9% | $80,925+263.8% |
| Participation rate | 53.1% | 63.5%-10.4pp | 72.7%-19.6pp | 67.7%-14.5pp |
| Annual return | 10.33% | -558.16%+568.5pp | 75.47%-65.1pp | 35.65%-25.3pp |
| Employer contribution / active EE | $0 | $1,836-100.0% | $2,723-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,246 | $3,027+106.3% | $4,263+46.5% | $4,299+45.3% |
| Admin fee / account holder | $16,655 | $5,170+222.2% | $5,637+195.4% | $6,940+140.0% |