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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 | $258,196 | $176,120+46.6% | $159,487+61.9% | $167,553+54.1% |
| Participation rate | 27.3% | 85.0%-57.7pp | 82.8%-55.6pp | 82.1%-54.8pp |
| Annual return | 9.60% | 331.95%-322.3pp | 263.71%-254.1pp | 478.89%-469.3pp |
| Employer contribution / active EE | $1,648 | $5,299-68.9% | $4,831-65.9% | $4,840-65.9% |
| Participant deferral / active EE | $4,755 | $7,752-38.7% | $7,354-35.3% | $6,343-25.0% |
| Admin fee / account holder | $232,844 | $12,561+1753.7% | $10,804+2055.2% | $12,316+1790.5% |