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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 | $334,212 | $155,555+114.9% | $146,866+127.6% | $155,188+115.4% |
| Participation rate | 33.3% | 84.0%-50.6pp | 82.5%-49.2pp | 80.8%-47.5pp |
| Annual return | 10.01% | 115.41%-105.4pp | 102.85%-92.8pp | 148.84%-138.8pp |
| Employer contribution / active EE | $2,318 | $4,647-50.1% | $4,425-47.6% | $4,248-45.4% |
| Participant deferral / active EE | $5,915 | $8,044-26.5% | $7,759-23.8% | $6,531-9.4% |
| Admin fee / account holder | $2,770 | $14,755-81.2% | $13,620-79.7% | $14,480-80.9% |