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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $326,248 | $142,354+129.2% | $125,529+159.9% | $155,188+110.2% |
| Participation rate | 30.0% | 78.1%-48.1pp | 74.7%-44.7pp | 80.8%-50.8pp |
| Annual return | 14.05% | 306.06%-292.0pp | 202.56%-188.5pp | 148.84%-134.8pp |
| Employer contribution / active EE | $0 | $3,501-100.0% | $3,058-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $2,320 | $5,491-57.7% | $4,813-51.8% | $6,531-64.5% |
| Admin fee / account holder | $2,324 | $19,392-88.0% | $16,298-85.7% | $14,480-84.0% |