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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 | $102,422+196.3% | $147,117+106.3% | $80,959+274.9% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 10.64% | 135.16%-124.5pp | 420.54%-409.9pp | 35.67%-25.0pp |
| Employer contribution / active EE | $1,045 | $3,717-71.9% | $4,932-78.8% | $2,757-62.1% |
| Participant deferral / active EE | $7,684 | $6,652+15.5% | $8,065-4.7% | $4,300+78.7% |
| Admin fee / account holder | $49,383 | $7,953+520.9% | $12,993+280.1% | $6,925+613.1% |