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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 | $350,748 | $201,370+74.2% | $184,256+90.4% | $145,897+140.4% |
| Participation rate | 50.0% | 87.5%-37.5pp | 86.8%-36.8pp | 80.3%-30.3pp |
| Annual return | 5.71% | 29.05%-23.3pp | 28.85%-23.1pp | 552.29%-546.6pp |
| Employer contribution / active EE | $1,474 | $7,024-79.0% | $6,427-77.1% | $4,663-68.4% |
| Participant deferral / active EE | $10,360 | $9,808+5.6% | $9,133+13.4% | $6,689+54.9% |
| Admin fee / account holder | $589 | $16,364-96.4% | $13,899-95.8% | $13,390-95.6% |