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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 | $174,379+56.6% | $152,093+79.6% | $138,895+96.6% |
| Participation rate | 60.0% | 81.6%-21.6pp | 77.8%-17.8pp | 79.9%-19.9pp |
| Annual return | 7.64% | 74.86%-67.2pp | 66.36%-58.7pp | 145.39%-137.8pp |
| Employer contribution / active EE | $1,741 | $4,652-62.6% | $4,175-58.3% | $4,194-58.5% |
| Participant deferral / active EE | $5,280 | $6,159-14.3% | $5,451-3.1% | $6,396-17.5% |
| Admin fee / account holder | $10,405 | $16,880-38.4% | $14,497-28.2% | $12,562-17.2% |