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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 | $520,070 | $209,422+148.3% | $178,503+191.4% | $158,982+227.1% |
| Participation rate | 57.1% | 86.4%-29.2pp | 81.9%-24.8pp | 82.0%-24.8pp |
| Annual return | 4.26% | 188.81%-184.6pp | 151.12%-146.9pp | 302.99%-298.7pp |
| Employer contribution / active EE | $4,644 | $5,707-18.6% | $5,011-7.3% | $4,763-2.5% |
| Participant deferral / active EE | $3,429 | $5,955-42.4% | $5,202-34.1% | $5,983-42.7% |
| Admin fee / account holder | $12,239 | $17,079-28.3% | $13,987-12.5% | $11,252+8.8% |