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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 | $1,056,388 | $166,131+535.9% | $164,975+540.3% | $145,877+624.2% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.6%-28.6pp | 80.3%-30.3pp |
| Annual return | 8.50% | 100.37%-91.9pp | 70.12%-61.6pp | 551.28%-542.8pp |
| Employer contribution / active EE | $10,000 | $5,276+89.6% | $4,343+130.3% | $4,663+114.5% |
| Participant deferral / active EE | $10,167 | $6,962+46.0% | $6,033+68.5% | $6,691+52.0% |
| Admin fee / account holder | $10,343 | $16,648-37.9% | $12,688-18.5% | $13,402-22.8% |