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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 | $282,723 | $176,077+60.6% | $159,455+77.3% | $167,518+68.8% |
| Participation rate | 68.8% | 84.9%-16.2pp | 82.8%-14.1pp | 82.1%-13.4pp |
| Annual return | 8.69% | 331.83%-323.1pp | 263.63%-254.9pp | 478.71%-470.0pp |
| Employer contribution / active EE | $1,617 | $5,298-69.5% | $4,830-66.5% | $4,838-66.6% |
| Participant deferral / active EE | $3,263 | $7,751-57.9% | $7,353-55.6% | $6,342-48.6% |
| Admin fee / account holder | $8,135 | $12,556-35.2% | $10,800-24.7% | $12,312-33.9% |