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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 | $263,013 | $95,415+175.7% | $185,851+41.5% | $85,851+206.4% |
| Participation rate | 36.0% | 68.8%-32.8pp | 81.7%-45.7pp | 69.3%-33.3pp |
| Annual return | 9.02% | 23.59%-14.6pp | 122.11%-113.1pp | 318.63%-309.6pp |
| Employer contribution / active EE | $2,878 | $3,314-13.2% | $5,168-44.3% | $2,565+12.2% |
| Participant deferral / active EE | $1,555 | $3,424-54.6% | $5,569-72.1% | $3,952-60.7% |
| Admin fee / account holder | $12,600 | $7,215+74.6% | $16,245-22.4% | $6,261+101.2% |