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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 | $265,358 | $129,737+104.5% | $119,126+122.8% | $154,746+71.5% |
| Participation rate | 50.0% | 78.9%-28.9pp | 75.8%-25.8pp | 80.7%-30.7pp |
| Annual return | 4.30% | 379.08%-374.8pp | 282.11%-277.8pp | 172.34%-168.0pp |
| Employer contribution / active EE | $7,400 | $4,375+69.1% | $4,034+83.5% | $4,379+69.0% |
| Participant deferral / active EE | $2,467 | $5,842-57.8% | $5,318-53.6% | $6,730-63.4% |
| Admin fee / account holder | $3,136 | $11,961-73.8% | $10,693-70.7% | $14,365-78.2% |