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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 | $560,614 | $93,064+502.4% | $74,577+651.7% | $273,972+104.6% |
| Participation rate | 28.6% | 74.9%-46.4pp | 68.1%-39.5pp | 83.0%-54.4pp |
| Annual return | 0.81% | 26.18%-25.4pp | 20.47%-19.7pp | 41.46%-40.6pp |
| Employer contribution / active EE | $577 | $3,160-81.7% | $2,525-77.1% | $4,869-88.1% |
| Participant deferral / active EE | $711 | $4,160-82.9% | $3,458-79.4% | $5,287-86.6% |
| Admin fee / account holder | $19,132 | $5,273+262.8% | $4,138+362.3% | $10,133+88.8% |