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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 | $348,861 | $124,314+180.6% | $109,163+219.6% | $167,518+108.3% |
| Participation rate | 33.3% | 79.4%-46.1pp | 75.9%-42.5pp | 82.1%-48.8pp |
| Annual return | 7.39% | 26.04%-18.7pp | 25.75%-18.4pp | 478.71%-471.3pp |
| Employer contribution / active EE | $996 | $4,209-76.3% | $3,723-73.3% | $4,838-79.4% |
| Participant deferral / active EE | $5,778 | $5,256+9.9% | $4,654+24.2% | $6,342-8.9% |
| Admin fee / account holder | $2,162 | $7,973-72.9% | $6,754-68.0% | $12,312-82.4% |