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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 | $255,387 | $183,539+39.1% | $155,556+64.2% | $145,897+75.0% |
| Participation rate | 35.7% | 82.7%-47.0pp | 78.2%-42.5pp | 80.3%-44.6pp |
| Annual return | 7.15% | 61.31%-54.2pp | 64.84%-57.7pp | 552.29%-545.1pp |
| Employer contribution / active EE | $1,509 | $5,315-71.6% | $4,675-67.7% | $4,663-67.6% |
| Participant deferral / active EE | $2,746 | $6,467-57.5% | $5,631-51.2% | $6,689-59.0% |
| Admin fee / account holder | $7,202 | $19,275-62.6% | $15,885-54.7% | $13,390-46.2% |