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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 | $296,817 | $84,236+252.4% | $170,435+74.2% | $70,126+323.3% |
| Participation rate | 43.8% | 70.8%-27.1pp | 83.6%-39.8pp | 69.5%-25.8pp |
| Annual return | 12.14% | 23.06%-10.9pp | 205.94%-193.8pp | 73.15%-61.0pp |
| Employer contribution / active EE | $3,131 | $3,387-7.6% | $5,432-42.4% | $2,343+33.7% |
| Participant deferral / active EE | $2,968 | $3,086-3.8% | $4,939-39.9% | $3,332-10.9% |
| Admin fee / account holder | $2,708 | $5,698-52.5% | $13,881-80.5% | $4,645-41.7% |