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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 | $273,283 | $166,242+64.4% | $165,071+65.6% | $145,884+87.3% |
| Participation rate | 60.0% | 82.0%-22.0pp | 78.6%-18.6pp | 80.3%-20.3pp |
| Annual return | 6.99% | 100.44%-93.5pp | 70.17%-63.2pp | 551.85%-544.9pp |
| Employer contribution / active EE | $0 | $5,283-100.0% | $4,347-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $13,207 | $6,964+89.6% | $6,035+118.8% | $6,690+97.4% |
| Admin fee / account holder | $8,712 | $16,658-47.7% | $12,695-31.4% | $13,392-34.9% |