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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 | $277,480 | $209,874+32.2% | $189,537+46.4% | $167,536+65.6% |
| Participation rate | 54.5% | 88.7%-34.1pp | 87.8%-33.3pp | 82.1%-27.6pp |
| Annual return | 8.11% | 748.61%-740.5pp | 555.34%-547.2pp | 478.82%-470.7pp |
| Employer contribution / active EE | $0 | $6,913-100.0% | $6,161-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $5,160 | $8,934-42.2% | $8,220-37.2% | $6,342-18.6% |
| Admin fee / account holder | $44,527 | $14,299+211.4% | $12,048+269.6% | $12,315+261.6% |