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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 | $317,634 | $138,102+130.0% | $125,381+153.3% | $134,532+136.1% |
| Participation rate | 40.0% | 84.5%-44.5pp | 82.4%-42.4pp | 81.2%-41.2pp |
| Annual return | -21.60% | 750.73%-772.3pp | 572.31%-593.9pp | 418.27%-439.9pp |
| Employer contribution / active EE | $1,664 | $5,245-68.3% | $4,815-65.4% | $4,741-64.9% |
| Participant deferral / active EE | $4,100 | $7,801-47.4% | $7,448-44.9% | $6,401-35.9% |
| Admin fee / account holder | $614 | $11,568-94.7% | $10,007-93.9% | $11,429-94.6% |