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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 | $305,933 | $115,814+164.2% | $101,275+202.1% | $158,982+92.4% |
| Participation rate | 30.0% | 79.4%-49.4pp | 75.8%-45.8pp | 82.0%-52.0pp |
| Annual return | 6.51% | 56.16%-49.6pp | 46.48%-40.0pp | 302.99%-296.5pp |
| Employer contribution / active EE | $944 | $4,176-77.4% | $3,660-74.2% | $4,763-80.2% |
| Participant deferral / active EE | $5,200 | $4,958+4.9% | $4,371+19.0% | $5,983-13.1% |
| Admin fee / account holder | $1,686 | $7,249-76.7% | $5,948-71.6% | $11,252-85.0% |