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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 | $342,447 | $133,998+155.6% | $112,263+205.0% | $134,545+154.5% |
| Participation rate | 45.5% | 78.6%-33.1pp | 75.1%-29.6pp | 81.2%-35.8pp |
| Annual return | -24.06% | 47.17%-71.2pp | 27.49%-51.6pp | 418.37%-442.4pp |
| Employer contribution / active EE | $1,691 | $4,040-58.1% | $3,636-53.5% | $4,742-64.3% |
| Participant deferral / active EE | $2,747 | $5,292-48.1% | $4,729-41.9% | $6,401-57.1% |
| Admin fee / account holder | $1,511 | $7,493-79.8% | $6,410-76.4% | $11,431-86.8% |