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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 | $427,468 | $210,908+102.7% | $153,643+178.2% | $145,884+193.0% |
| Participation rate | 66.7% | 82.1%-15.5pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 7.09% | 13.46%-6.4pp | 15.71%-8.6pp | 551.85%-544.8pp |
| Employer contribution / active EE | $2,112 | $6,055-65.1% | $5,039-58.1% | $4,662-54.7% |
| Participant deferral / active EE | $19,398 | $7,976+143.2% | $6,754+187.2% | $6,690+190.0% |
| Admin fee / account holder | $82,503 | $19,477+323.6% | $12,739+547.6% | $13,392+516.1% |