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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 | $284,234 | $160,040+77.6% | $147,096+93.2% | $145,877+94.8% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 8.52% | 98.49%-90.0pp | 419.75%-411.2pp | 551.28%-542.8pp |
| Employer contribution / active EE | $3,475 | $5,289-34.3% | $4,936-29.6% | $4,663-25.5% |
| Participant deferral / active EE | $9,302 | $8,429+10.4% | $8,071+15.3% | $6,691+39.0% |
| Admin fee / account holder | $2,560 | $15,050-83.0% | $13,005-80.3% | $13,402-80.9% |