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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 | $531,231 | $201,372+163.8% | $184,260+188.3% | $145,884+264.1% |
| Participation rate | 52.9% | 87.5%-34.5pp | 86.8%-33.9pp | 80.3%-27.4pp |
| Annual return | -4.15% | 29.04%-33.2pp | 28.84%-33.0pp | 551.85%-556.0pp |
| Employer contribution / active EE | $3,882 | $7,024-44.7% | $6,427-39.6% | $4,662-16.7% |
| Participant deferral / active EE | $5,176 | $9,808-47.2% | $9,133-43.3% | $6,690-22.6% |
| Admin fee / account holder | $85,404 | $16,362+422.0% | $13,898+514.5% | $13,392+537.7% |