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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 | $338,962 | $124,330+172.6% | $109,173+210.5% | $167,536+102.3% |
| Participation rate | 35.0% | 79.5%-44.5pp | 75.9%-40.9pp | 82.1%-47.1pp |
| Annual return | 9.42% | 26.04%-16.6pp | 25.75%-16.3pp | 478.82%-469.4pp |
| Employer contribution / active EE | $1,415 | $4,209-66.4% | $3,723-62.0% | $4,839-70.7% |
| Participant deferral / active EE | $3,503 | $5,256-33.4% | $4,654-24.7% | $6,342-44.8% |
| Admin fee / account holder | $305 | $7,974-96.2% | $6,755-95.5% | $12,315-97.5% |