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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 | $259,975 | $172,111+51.1% | $150,298+73.0% | $137,256+89.4% |
| Participation rate | 40.0% | 81.7%-41.7pp | 77.8%-37.8pp | 80.0%-40.0pp |
| Annual return | 10.71% | 69.37%-58.7pp | 62.79%-52.1pp | 220.34%-209.6pp |
| Employer contribution / active EE | $2,471 | $4,636-46.7% | $4,154-40.5% | $4,156-40.5% |
| Participant deferral / active EE | $6,650 | $6,166+7.9% | $5,453+22.0% | $6,407+3.8% |
| Admin fee / account holder | $79,359 | $16,471+381.8% | $14,116+462.2% | $12,270+546.8% |