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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 | $328,857 | $117,433+180.0% | $99,475+230.6% | $152,897+115.1% |
| Participation rate | 60.0% | 77.5%-17.5pp | 73.8%-13.8pp | 82.5%-22.5pp |
| Annual return | 1.74% | 31.87%-30.1pp | 30.72%-29.0pp | 345.43%-343.7pp |
| Employer contribution / active EE | $4,514 | $3,013+49.8% | $2,540+77.7% | $4,764-5.2% |
| Participant deferral / active EE | $2,025 | $4,086-50.4% | $3,619-44.0% | $5,851-65.4% |
| Admin fee / account holder | $6,853 | $7,634-10.2% | $6,252+9.6% | $11,599-40.9% |