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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 | $280,500 | $154,228+81.9% | $145,433+92.9% | $137,256+104.4% |
| Participation rate | 40.0% | 83.8%-43.8pp | 82.1%-42.1pp | 80.0%-40.0pp |
| Annual return | 6.21% | 74.59%-68.4pp | 66.58%-60.4pp | 220.34%-214.1pp |
| Employer contribution / active EE | $2,233 | $4,804-53.5% | $4,554-51.0% | $4,156-46.3% |
| Participant deferral / active EE | $7,019 | $8,216-14.6% | $7,897-11.1% | $6,407+9.5% |
| Admin fee / account holder | $104,125 | $14,344+625.9% | $13,129+693.1% | $12,270+748.6% |