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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 | $507,454 | $183,516+176.5% | $155,534+226.3% | $145,884+247.8% |
| Participation rate | 58.3% | 82.7%-24.4pp | 78.2%-19.9pp | 80.3%-22.0pp |
| Annual return | -7.59% | 61.43%-69.0pp | 64.92%-72.5pp | 551.85%-559.4pp |
| Employer contribution / active EE | $3,406 | $5,315-35.9% | $4,675-27.1% | $4,662-26.9% |
| Participant deferral / active EE | $6,989 | $6,467+8.1% | $5,630+24.1% | $6,690+4.5% |
| Admin fee / account holder | $14,734 | $19,293-23.6% | $15,900-7.3% | $13,392+10.0% |