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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 | $531,605 | $167,352+217.7% | $143,788+269.7% | $134,509+295.2% |
| Participation rate | 66.7% | 84.8%-18.1pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -20.55% | 0.47%-21.0pp | -0.03%-20.5pp | 418.13%-438.7pp |
| Employer contribution / active EE | $4,687 | $5,620-16.6% | $4,952-5.4% | $4,741-1.1% |
| Participant deferral / active EE | $7,791 | $6,447+20.9% | $5,638+38.2% | $6,400+21.7% |
| Admin fee / account holder | $9,175 | $18,091-49.3% | $14,675-37.5% | $11,427-19.7% |