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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 | $272,062 | $162,136+67.8% | $152,301+78.6% | $154,746+75.8% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 8.94% | 91.02%-82.1pp | 80.50%-71.6pp | 172.34%-163.4pp |
| Employer contribution / active EE | $1,481 | $4,890-69.7% | $4,624-68.0% | $4,379-66.2% |
| Participant deferral / active EE | $8,868 | $8,341+6.3% | $8,004+10.8% | $6,730+31.8% |
| Admin fee / account holder | $287,284 | $15,759+1722.9% | $14,398+1895.3% | $14,365+1899.9% |