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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 | $265,646 | $162,136+63.8% | $152,301+74.4% | $154,746+71.7% |
| Participation rate | 40.0% | 84.1%-44.1pp | 82.4%-42.4pp | 80.7%-40.7pp |
| Annual return | 11.26% | 91.02%-79.8pp | 80.50%-69.2pp | 172.34%-161.1pp |
| Employer contribution / active EE | $1,152 | $4,890-76.4% | $4,624-75.1% | $4,379-73.7% |
| Participant deferral / active EE | $6,651 | $8,341-20.3% | $8,004-16.9% | $6,730-1.2% |
| Admin fee / account holder | $2,457 | $15,759-84.4% | $14,398-82.9% | $14,365-82.9% |