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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 | $115,225+287.0% | $100,712+342.7% | $138,895+221.0% |
| Participation rate | 55.6% | 74.3%-18.8pp | 69.3%-13.7pp | 79.9%-24.4pp |
| Annual return | 8.22% | 40.35%-32.1pp | 33.27%-25.1pp | 145.39%-137.2pp |
| Employer contribution / active EE | $0 | $2,771-100.0% | $2,313-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $5,407 | $4,699+15.1% | $4,085+32.4% | $6,396-15.5% |
| Admin fee / account holder | $4,553 | $10,844-58.0% | $9,256-50.8% | $12,562-63.8% |