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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 | $252,889 | $175,259+44.3% | $149,723+68.9% | $139,487+81.3% |
| Participation rate | 50.0% | 83.4%-33.4pp | 78.8%-28.8pp | 80.3%-30.3pp |
| Annual return | -2.63% | 166.82%-169.5pp | 134.50%-137.1pp | 373.84%-376.5pp |
| Employer contribution / active EE | $2,402 | $5,478-56.2% | $4,821-50.2% | $4,755-49.5% |
| Participant deferral / active EE | $6,900 | $6,522+5.8% | $5,682+21.4% | $6,713+2.8% |
| Admin fee / account holder | $2,793 | $16,158-82.7% | $13,215-78.9% | $11,407-75.5% |