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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 | $289,865 | $67,602+328.8% | $82,312+252.2% | $70,126+313.3% |
| Participation rate | 11.1% | 72.8%-61.7pp | 76.9%-65.8pp | 69.5%-58.4pp |
| Annual return | 4.13% | 21.57%-17.4pp | 25.88%-21.7pp | 73.15%-69.0pp |
| Employer contribution / active EE | $950 | $1,755-45.9% | $2,428-60.9% | $2,343-59.4% |
| Participant deferral / active EE | $2,899 | $2,987-3.0% | $3,706-21.8% | $3,332-13.0% |
| Admin fee / account holder | $1,309 | $4,512-71.0% | $5,608-76.7% | $4,645-71.8% |