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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 | $293,274 | $99,652+194.3% | $78,778+272.3% | $147,586+98.7% |
| Participation rate | 60.0% | 76.2%-16.2pp | 69.2%-9.2pp | 82.8%-22.8pp |
| Annual return | 6.81% | 47.28%-40.5pp | 35.62%-28.8pp | 578.59%-571.8pp |
| Employer contribution / active EE | $2,085 | $2,796-25.4% | $1,986+5.0% | $4,876-57.3% |
| Participant deferral / active EE | $7,212 | $3,664+96.8% | $2,958+143.8% | $5,439+32.6% |
| Admin fee / account holder | $8,069 | $7,155+12.8% | $5,134+57.2% | $10,886-25.9% |