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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 | $97,550+549.4% | $120,344+426.4% | $87,485+624.1% |
| Participation rate | 1.3% | 72.8%-71.5pp | 76.7%-75.4pp | 68.9%-67.6pp |
| Annual return | 8.71% | 18.41%-9.7pp | 20.30%-11.6pp | 26.06%-17.3pp |
| Employer contribution / active EE | $7,744 | $2,291+238.0% | $3,020+156.4% | $2,596+198.3% |
| Participant deferral / active EE | $5,590 | $4,230+32.2% | $5,135+8.9% | $4,274+30.8% |
| Admin fee / account holder | $90,441 | $9,543+847.8% | $12,742+609.8% | $7,775+1063.3% |