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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 | $445,883 | $112,729+295.5% | $98,716+351.7% | $137,256+224.9% |
| Participation rate | 55.6% | 74.2%-18.7pp | 69.3%-13.7pp | 80.0%-24.4pp |
| Annual return | 8.22% | 38.48%-30.3pp | 31.81%-23.6pp | 220.34%-212.1pp |
| Employer contribution / active EE | $0 | $2,725-100.0% | $2,279-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $5,407 | $4,640+16.5% | $4,048+33.6% | $6,407-15.6% |
| Admin fee / account holder | $4,553 | $10,129-55.0% | $8,703-47.7% | $12,270-62.9% |