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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 | $303,478 | $102,382+196.4% | $147,005+106.4% | $80,874+275.2% |
| Participation rate | 60.0% | 75.8%-15.8pp | 82.2%-22.2pp | 67.6%-7.6pp |
| Annual return | 10.64% | 134.89%-124.3pp | 418.76%-408.1pp | 35.62%-25.0pp |
| Employer contribution / active EE | $1,045 | $3,715-71.9% | $4,934-78.8% | $2,756-62.1% |
| Participant deferral / active EE | $7,684 | $6,646+15.6% | $8,070-4.8% | $4,297+78.8% |
| Admin fee / account holder | $49,383 | $7,942+521.8% | $13,006+279.7% | $6,935+612.1% |