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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 | $258,108 | $167,362+54.2% | $143,799+79.5% | $134,532+91.9% |
| Participation rate | 44.4% | 84.8%-40.4pp | 80.3%-35.9pp | 81.2%-36.8pp |
| Annual return | -21.02% | 0.47%-21.5pp | -0.04%-21.0pp | 418.27%-439.3pp |
| Employer contribution / active EE | $1,471 | $5,620-73.8% | $4,952-70.3% | $4,741-69.0% |
| Participant deferral / active EE | $5,320 | $6,447-17.5% | $5,638-5.6% | $6,401-16.9% |
| Admin fee / account holder | $3,058 | $18,094-83.1% | $14,677-79.2% | $11,429-73.2% |