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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 | $273,103 | $172,111+58.7% | $150,298+81.7% | $137,256+99.0% |
| Participation rate | 60.0% | 81.7%-21.7pp | 77.8%-17.8pp | 80.0%-20.0pp |
| Annual return | 7.64% | 69.37%-61.7pp | 62.79%-55.1pp | 220.34%-212.7pp |
| Employer contribution / active EE | $1,741 | $4,636-62.4% | $4,154-58.1% | $4,156-58.1% |
| Participant deferral / active EE | $5,280 | $6,166-14.4% | $5,453-3.2% | $6,407-17.6% |
| Admin fee / account holder | $10,405 | $16,471-36.8% | $14,116-26.3% | $12,270-15.2% |