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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 | $337,272 | $167,362+101.5% | $143,799+134.5% | $134,532+150.7% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -32.22% | 0.47%-32.7pp | -0.04%-32.2pp | 418.27%-450.5pp |
| Employer contribution / active EE | $1,697 | $5,620-69.8% | $4,952-65.7% | $4,741-64.2% |
| Participant deferral / active EE | $6,162 | $6,447-4.4% | $5,638+9.3% | $6,401-3.7% |
| Admin fee / account holder | $8,675 | $18,094-52.1% | $14,677-40.9% | $11,429-24.1% |