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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 | $358,809 | $111,878+220.7% | $93,727+282.8% | $145,897+145.9% |
| Participation rate | 31.8% | 74.2%-42.4pp | 68.7%-36.9pp | 80.3%-48.5pp |
| Annual return | 7.59% | 204.28%-196.7pp | 133.83%-126.2pp | 552.29%-544.7pp |
| Employer contribution / active EE | $2,202 | $3,092-28.8% | $2,421-9.1% | $4,663-52.8% |
| Participant deferral / active EE | $7,996 | $4,920+62.5% | $4,417+81.0% | $6,689+19.5% |
| Admin fee / account holder | $35,714 | $10,256+248.2% | $8,292+330.7% | $13,390+166.7% |