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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 | $1,002,408 | $190,916+425.1% | $160,037+526.4% | $134,545+645.0% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.0%-11.3pp | 81.2%-14.6pp |
| Annual return | -22.63% | 552.79%-575.4pp | 408.95%-431.6pp | 418.37%-441.0pp |
| Employer contribution / active EE | $24,886 | $4,996+398.2% | $4,226+488.9% | $4,742+424.9% |
| Participant deferral / active EE | $8,667 | $6,925+25.2% | $6,184+40.2% | $6,401+35.4% |
| Admin fee / account holder | $10,741 | $10,497+2.3% | $8,716+23.2% | $11,431-6.0% |