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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 | $210,343+103.2% | $153,476+178.5% | $145,978+192.8% |
| Participation rate | 66.7% | 82.1%-15.4pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 7.09% | 13.38%-6.3pp | 15.66%-8.6pp | 550.52%-543.4pp |
| Employer contribution / active EE | $2,112 | $6,047-65.1% | $5,038-58.1% | $4,662-54.7% |
| Participant deferral / active EE | $19,398 | $7,977+143.2% | $6,759+187.0% | $6,690+190.0% |
| Admin fee / account holder | $82,503 | $19,424+324.8% | $12,729+548.1% | $13,400+515.7% |