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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 | $81,358+378.3% | $155,556+150.2% | $80,959+380.7% |
| Participation rate | 53.1% | 66.3%-13.1pp | 78.2%-25.1pp | 67.7%-14.5pp |
| Annual return | 8.32% | 33.39%-25.1pp | 64.84%-56.5pp | 35.67%-27.4pp |
| Employer contribution / active EE | $2,013 | $3,106-35.2% | $4,675-56.9% | $2,757-27.0% |
| Participant deferral / active EE | $8,535 | $3,455+147.0% | $5,631+51.6% | $4,300+98.5% |
| Admin fee / account holder | $13,580 | $7,994+69.9% | $15,885-14.5% | $6,925+96.1% |