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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 | $476,576 | $167,415+184.7% | $140,514+239.2% | $198,609+140.0% |
| Participation rate | 57.1% | 80.9%-23.7pp | 77.8%-20.7pp | 82.4%-25.2pp |
| Annual return | 1.54% | 13.85%-12.3pp | 14.36%-12.8pp | 202.70%-201.2pp |
| Employer contribution / active EE | $2,776 | $4,088-32.1% | $3,378-17.8% | $5,055-45.1% |
| Participant deferral / active EE | $5,784 | $5,579+3.7% | $4,919+17.6% | $6,977-17.1% |
| Admin fee / account holder | $3,785 | $16,730-77.4% | $13,697-72.4% | $19,030-80.1% |