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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 | $310,532 | $139,948+121.9% | $121,663+155.2% | $154,746+100.7% |
| Participation rate | 47.1% | 78.0%-31.0pp | 74.5%-27.4pp | 80.7%-33.6pp |
| Annual return | 3.55% | 230.52%-227.0pp | 147.54%-144.0pp | 172.34%-168.8pp |
| Employer contribution / active EE | $1,584 | $3,521-55.0% | $3,020-47.5% | $4,379-63.8% |
| Participant deferral / active EE | $1,764 | $5,629-68.7% | $4,887-63.9% | $6,730-73.8% |
| Admin fee / account holder | $109,533 | $17,321+532.4% | $14,289+666.5% | $14,365+662.5% |