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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 | $354,633 | $106,247+233.8% | $96,515+267.4% | $139,466+154.3% |
| Participation rate | 30.0% | 77.8%-47.8pp | 74.3%-44.3pp | 80.3%-50.3pp |
| Annual return | 2.50% | 38.47%-36.0pp | 35.73%-33.2pp | 373.66%-371.2pp |
| Employer contribution / active EE | $928 | $4,106-77.4% | $3,740-75.2% | $4,754-80.5% |
| Participant deferral / active EE | $6,000 | $5,456+10.0% | $4,880+23.0% | $6,712-10.6% |
| Admin fee / account holder | $2,638 | $7,885-66.5% | $6,735-60.8% | $11,409-76.9% |