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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 | $300,088 | $111,535+169.1% | $105,223+185.2% | $137,256+118.6% |
| Participation rate | 57.1% | 78.1%-20.9pp | 75.0%-17.9pp | 80.0%-22.8pp |
| Annual return | 10.98% | 237.85%-226.9pp | 180.65%-169.7pp | 220.34%-209.4pp |
| Employer contribution / active EE | $2,662 | $3,939-32.4% | $3,689-27.8% | $4,156-36.0% |
| Participant deferral / active EE | $10,227 | $5,500+86.0% | $5,072+101.7% | $6,407+59.6% |
| Admin fee / account holder | $30,786 | $9,721+216.7% | $8,859+247.5% | $12,270+150.9% |