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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 | $471,188 | $138,114+241.2% | $125,391+275.8% | $134,545+250.2% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -32.18% | 750.88%-783.1pp | 572.41%-604.6pp | 418.37%-450.5pp |
| Employer contribution / active EE | $8,153 | $5,246+55.4% | $4,816+69.3% | $4,742+72.0% |
| Participant deferral / active EE | $8,554 | $7,801+9.6% | $7,448+14.8% | $6,401+33.6% |
| Admin fee / account holder | $26,708 | $11,570+130.8% | $10,009+166.9% | $11,431+133.7% |