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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 | $132,099+135.1% | $115,599+168.6% | $138,895+123.6% |
| Participation rate | 47.1% | 77.9%-30.8pp | 74.3%-27.2pp | 79.9%-32.9pp |
| Annual return | 3.55% | 176.76%-173.2pp | 111.10%-107.5pp | 145.39%-141.8pp |
| Employer contribution / active EE | $1,584 | $3,416-53.6% | $2,955-46.4% | $4,194-62.2% |
| Participant deferral / active EE | $1,764 | $5,617-68.6% | $4,889-63.9% | $6,396-72.4% |
| Admin fee / account holder | $109,533 | $15,650+599.9% | $12,841+753.0% | $12,562+771.9% |