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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 | $282,742 | $174,379+62.1% | $152,093+85.9% | $138,895+103.6% |
| Participation rate | 33.3% | 81.6%-48.3pp | 77.8%-44.4pp | 79.9%-46.6pp |
| Annual return | 10.89% | 74.86%-64.0pp | 66.36%-55.5pp | 145.39%-134.5pp |
| Employer contribution / active EE | $1,547 | $4,652-66.7% | $4,175-62.9% | $4,194-63.1% |
| Participant deferral / active EE | $2,162 | $6,159-64.9% | $5,451-60.3% | $6,396-66.2% |
| Admin fee / account holder | $7,615 | $16,880-54.9% | $14,497-47.5% | $12,562-39.4% |