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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 | $271,624 | $57,061+376.0% | $85,063+219.3% | $80,911+235.7% |
| Participation rate | 22.2% | 56.3%-34.1pp | 67.5%-45.3pp | 67.6%-45.4pp |
| Annual return | 9.96% | 21.66%-11.7pp | 66.54%-56.6pp | 35.63%-25.7pp |
| Employer contribution / active EE | $1,059 | $1,799-41.1% | $2,727-61.2% | $2,756-61.6% |
| Participant deferral / active EE | $3,031 | $3,110-2.6% | $4,523-33.0% | $4,297-29.5% |
| Admin fee / account holder | $7,518 | $4,986+50.8% | $6,155+22.1% | $6,935+8.4% |