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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 | $283,079 | $70,366+302.3% | $66,674+324.6% | $138,895+103.8% |
| Participation rate | 60.0% | 76.2%-16.2pp | 73.7%-13.7pp | 79.9%-19.9pp |
| Annual return | 9.18% | 386.41%-377.2pp | 321.24%-312.1pp | 145.39%-136.2pp |
| Employer contribution / active EE | $716 | $2,765-74.1% | $2,620-72.7% | $4,194-82.9% |
| Participant deferral / active EE | $865 | $4,374-80.2% | $4,084-78.8% | $6,396-86.5% |
| Admin fee / account holder | $24,339 | $5,262+362.5% | $5,098+377.4% | $12,562+93.7% |