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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 | $389,152 | $81,276+378.8% | $155,574+150.1% | $80,925+380.9% |
| Participation rate | 53.1% | 66.2%-13.1pp | 78.2%-25.1pp | 67.7%-14.5pp |
| Annual return | 8.32% | 33.36%-25.0pp | 64.87%-56.6pp | 35.65%-27.3pp |
| Employer contribution / active EE | $2,013 | $3,103-35.1% | $4,676-56.9% | $2,756-27.0% |
| Participant deferral / active EE | $8,535 | $3,453+147.2% | $5,629+51.6% | $4,299+98.6% |
| Admin fee / account holder | $13,580 | $7,993+69.9% | $15,914-14.7% | $6,940+95.7% |