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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 | $268,498 | $181,896+47.6% | $156,551+71.5% | $273,972-2.0% |
| Participation rate | 53.8% | 88.4%-34.5pp | 84.0%-30.2pp | 83.0%-29.2pp |
| Annual return | 0.35% | 30.74%-30.4pp | 32.23%-31.9pp | 41.46%-41.1pp |
| Employer contribution / active EE | $2,244 | $6,248-64.1% | $5,501-59.2% | $4,869-53.9% |
| Participant deferral / active EE | $4,966 | $5,550-10.5% | $4,871+1.9% | $5,287-6.1% |
| Admin fee / account holder | $1,815 | $15,560-88.3% | $13,028-86.1% | $10,133-82.1% |