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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 | $360,209 | $211,946+70.0% | $169,452+112.6% | $135,380+166.1% |
| Participation rate | 66.7% | 82.6%-16.0pp | 77.8%-11.1pp | 82.6%-16.0pp |
| Annual return | -13.90% | 3.26%-17.2pp | 1.83%-15.7pp | 519.81%-533.7pp |
| Employer contribution / active EE | $4,610 | $5,117-9.9% | $4,157+10.9% | $4,779-3.5% |
| Participant deferral / active EE | $1,028 | $6,075-83.1% | $5,277-80.5% | $5,609-81.7% |
| Admin fee / account holder | $7,727 | $11,472-32.6% | $9,110-15.2% | $10,828-28.6% |