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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 | $293,155 | $112,729+160.1% | $98,716+197.0% | $137,256+113.6% |
| Participation rate | 31.3% | 74.2%-43.0pp | 69.3%-38.0pp | 80.0%-48.7pp |
| Annual return | 2.19% | 38.48%-36.3pp | 31.81%-29.6pp | 220.34%-218.2pp |
| Employer contribution / active EE | $1,519 | $2,725-44.3% | $2,279-33.3% | $4,156-63.5% |
| Participant deferral / active EE | $2,246 | $4,640-51.6% | $4,048-44.5% | $6,407-64.9% |
| Admin fee / account holder | $308 | $10,129-97.0% | $8,703-96.5% | $12,270-97.5% |