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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 | $317,891 | $116,203+173.6% | $93,621+239.6% | $152,909+107.9% |
| Participation rate | 33.3% | 78.1%-44.7pp | 75.8%-42.5pp | 82.5%-49.1pp |
| Annual return | -18.57% | 35.96%-54.5pp | 32.76%-51.3pp | 345.46%-364.0pp |
| Employer contribution / active EE | $2,653 | $3,219-17.6% | $2,719-2.4% | $4,764-44.3% |
| Participant deferral / active EE | $8,333 | $4,605+81.0% | $4,070+104.8% | $5,851+42.4% |
| Admin fee / account holder | $2,086 | $10,751-80.6% | $7,890-73.6% | $11,601-82.0% |