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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 | $354,223 | $211,288+67.6% | $178,540+98.4% | $145,884+142.8% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 4.88% | 30.27%-25.4pp | 27.15%-22.3pp | 551.85%-547.0pp |
| Employer contribution / active EE | $2,688 | $4,574-41.2% | $3,953-32.0% | $4,662-42.3% |
| Participant deferral / active EE | $11,355 | $6,967+63.0% | $6,281+80.8% | $6,690+69.7% |
| Admin fee / account holder | $35,119 | $12,105+190.1% | $10,424+236.9% | $13,392+162.2% |