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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 | $303,154 | $91,198+232.4% | $178,503+69.8% | $79,856+279.6% |
| Participation rate | 44.4% | 69.2%-24.8pp | 81.9%-37.5pp | 69.6%-25.2pp |
| Annual return | 9.62% | 24.20%-14.6pp | 151.12%-141.5pp | 31.71%-22.1pp |
| Employer contribution / active EE | $1,330 | $3,257-59.1% | $5,011-73.4% | $2,471-46.2% |
| Participant deferral / active EE | $7,571 | $3,237+133.9% | $5,202+45.5% | $3,741+102.4% |
| Admin fee / account holder | $52,820 | $6,748+682.7% | $13,987+277.6% | $5,306+895.4% |