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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 | $633,475 | $95,453+563.6% | $112,040+465.4% | $82,448+668.3% |
| Participation rate | 1.3% | 72.8%-71.5pp | 76.5%-75.2pp | 68.1%-66.8pp |
| Annual return | 8.71% | 23.92%-15.2pp | 24.52%-15.8pp | 41.64%-32.9pp |
| Employer contribution / active EE | $7,744 | $2,318+234.1% | $2,954+162.1% | $2,551+203.6% |
| Participant deferral / active EE | $5,590 | $4,224+32.4% | $5,098+9.7% | $4,139+35.1% |
| Admin fee / account holder | $90,441 | $9,013+903.4% | $12,098+647.6% | $7,234+1150.2% |