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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 | $320,174 | $175,259+82.7% | $149,723+113.8% | $139,487+129.5% |
| Participation rate | 50.0% | 83.4%-33.4pp | 78.8%-28.8pp | 80.3%-30.3pp |
| Annual return | -2.34% | 166.82%-169.2pp | 134.50%-136.8pp | 373.84%-376.2pp |
| Employer contribution / active EE | $6,923 | $5,478+26.4% | $4,821+43.6% | $4,755+45.6% |
| Participant deferral / active EE | $11,044 | $6,522+69.3% | $5,682+94.3% | $6,713+64.5% |
| Admin fee / account holder | $13,595 | $16,158-15.9% | $13,215+2.9% | $11,407+19.2% |