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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 | $284,504 | $182,442+55.9% | $163,379+74.1% | $138,895+104.8% |
| Participation rate | 60.0% | 79.8%-19.8pp | 76.8%-16.8pp | 79.9%-19.9pp |
| Annual return | 8.54% | 72.74%-64.2pp | 63.41%-54.9pp | 145.39%-136.9pp |
| Employer contribution / active EE | $3,006 | $4,159-27.7% | $3,752-19.9% | $4,194-28.3% |
| Participant deferral / active EE | $7,867 | $6,817+15.4% | $6,282+25.2% | $6,396+23.0% |
| Admin fee / account holder | $213,079 | $10,396+1949.7% | $9,818+2070.3% | $12,562+1596.2% |