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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 | $293,069 | $88,672+230.5% | $105,223+178.5% | $82,448+255.5% |
| Participation rate | 69.4% | 67.9%+1.5pp | 75.0%-5.7pp | 68.1%+1.3pp |
| Annual return | 11.26% | 30.86%-19.6pp | 180.65%-169.4pp | 41.64%-30.4pp |
| Employer contribution / active EE | $6,778 | $3,048+122.4% | $3,689+83.8% | $2,551+165.7% |
| Participant deferral / active EE | $13,558 | $4,036+235.9% | $5,072+167.3% | $4,139+227.5% |
| Admin fee / account holder | $10,632 | $7,146+48.8% | $8,859+20.0% | $7,234+47.0% |