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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 | $201,259+164.0% | $184,200+188.4% | $145,959+264.0% |
| Participation rate | 52.9% | 87.5%-34.6pp | 86.8%-33.9pp | 80.3%-27.3pp |
| Annual return | -4.15% | 28.98%-33.1pp | 28.80%-33.0pp | 561.95%-566.1pp |
| Employer contribution / active EE | $3,882 | $7,018-44.7% | $6,424-39.6% | $4,661-16.7% |
| Participant deferral / active EE | $5,176 | $9,806-47.2% | $9,132-43.3% | $6,689-22.6% |
| Admin fee / account holder | $85,404 | $16,372+421.6% | $13,907+514.1% | $13,398+537.4% |