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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 | $295,013 | $115,225+156.0% | $100,712+192.9% | $138,895+112.4% |
| Participation rate | 69.2% | 74.3%-5.1pp | 69.3%0pp | 79.9%-10.7pp |
| Annual return | 5.65% | 40.35%-34.7pp | 33.27%-27.6pp | 145.39%-139.7pp |
| Employer contribution / active EE | $1,679 | $2,771-39.4% | $2,313-27.4% | $4,194-60.0% |
| Participant deferral / active EE | $6,778 | $4,699+44.2% | $4,085+65.9% | $6,396+6.0% |
| Admin fee / account holder | $5,204 | $10,844-52.0% | $9,256-43.8% | $12,562-58.6% |