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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 | $166,268+535.4% | $165,100+539.8% | $145,897+624.1% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.6%-28.6pp | 80.3%-30.3pp |
| Annual return | 8.50% | 100.52%-92.0pp | 70.21%-61.7pp | 552.29%-543.8pp |
| Employer contribution / active EE | $10,000 | $5,284+89.3% | $4,348+130.0% | $4,663+114.5% |
| Participant deferral / active EE | $10,167 | $6,964+46.0% | $6,035+68.4% | $6,689+52.0% |
| Admin fee / account holder | $10,343 | $16,659-37.9% | $12,696-18.5% | $13,390-22.8% |