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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 | $292,680 | $198,462+47.5% | $170,439+71.7% | $147,585+98.3% |
| Participation rate | 58.3% | 88.0%-29.6pp | 83.6%-25.3pp | 82.8%-24.5pp |
| Annual return | 3.89% | 257.30%-253.4pp | 205.94%-202.1pp | 578.58%-574.7pp |
| Employer contribution / active EE | $2,585 | $6,184-58.2% | $5,433-52.4% | $4,876-47.0% |
| Participant deferral / active EE | $5,437 | $5,629-3.4% | $4,939+10.1% | $5,4390% |
| Admin fee / account holder | $2,281 | $16,852-86.5% | $13,881-83.6% | $10,886-79.0% |