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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 | $562,542 | $132,099+325.8% | $115,599+386.6% | $138,895+305.0% |
| Participation rate | 66.7% | 77.9%-11.2pp | 74.3%-7.6pp | 79.9%-13.3pp |
| Annual return | 8.89% | 176.76%-167.9pp | 111.10%-102.2pp | 145.39%-136.5pp |
| Employer contribution / active EE | $16,432 | $3,416+381.0% | $2,955+456.0% | $4,194+291.8% |
| Participant deferral / active EE | $19,327 | $5,617+244.1% | $4,889+295.3% | $6,396+202.2% |
| Admin fee / account holder | $2,788 | $15,650-82.2% | $12,841-78.3% | $12,562-77.8% |