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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 | $61,789+376.5% | $97,167+203.0% | $80,874+264.1% |
| Participation rate | 53.1% | 63.5%-10.4pp | 72.7%-19.6pp | 67.6%-14.5pp |
| Annual return | 10.33% | -557.90%+568.2pp | 75.27%-64.9pp | 35.62%-25.3pp |
| Employer contribution / active EE | $0 | $1,837-100.0% | $2,729-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,246 | $3,028+106.2% | $4,264+46.5% | $4,297+45.4% |
| Admin fee / account holder | $16,655 | $5,168+222.3% | $5,650+194.8% | $6,935+140.2% |