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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 | $528,595 | $172,111+207.1% | $150,298+251.7% | $137,256+285.1% |
| Participation rate | 50.0% | 81.7%-31.7pp | 77.8%-27.8pp | 80.0%-30.0pp |
| Annual return | 9.24% | 69.37%-60.1pp | 62.79%-53.5pp | 220.34%-211.1pp |
| Employer contribution / active EE | $2,200 | $4,636-52.6% | $4,154-47.0% | $4,156-47.1% |
| Participant deferral / active EE | $5,043 | $6,166-18.2% | $5,453-7.5% | $6,407-21.3% |
| Admin fee / account holder | $12,214 | $16,471-25.8% | $14,116-13.5% | $12,270-0.5% |