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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 | $312,821 | $72,071+334.0% | $68,368+357.6% | $137,256+127.9% |
| Participation rate | 45.0% | 76.2%-31.2pp | 73.8%-28.8pp | 80.0%-35.0pp |
| Annual return | 6.90% | 353.14%-346.2pp | 292.57%-285.7pp | 220.34%-213.4pp |
| Employer contribution / active EE | $1,475 | $2,788-47.1% | $2,649-44.3% | $4,156-64.5% |
| Participant deferral / active EE | $6,646 | $4,410+50.7% | $4,123+61.2% | $6,407+3.7% |
| Admin fee / account holder | $473,415 | $5,336+8772.8% | $5,150+9092.9% | $12,270+3758.3% |