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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 | $391,568 | $127,387+207.4% | $115,038+240.4% | $125,389+212.3% |
| Participation rate | 63.6% | 84.2%-20.5pp | 81.4%-17.7pp | 83.2%-19.6pp |
| Annual return | -3.80% | 31.28%-35.1pp | 26.14%-29.9pp | 282.24%-286.0pp |
| Employer contribution / active EE | $15,465 | $5,166+199.4% | $4,608+235.6% | $4,866+217.8% |
| Participant deferral / active EE | $5,652 | $6,423-12.0% | $6,026-6.2% | $5,352+5.6% |
| Admin fee / account holder | $6,425 | $9,516-32.5% | $8,175-21.4% | $9,541-32.7% |