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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 | $817,127 | $156,963+420.6% | $121,204+574.2% | $139,466+485.9% |
| Participation rate | 50.0% | 76.5%-26.5pp | 69.5%-19.5pp | 80.3%-30.3pp |
| Annual return | 7.70% | 1476.75%-1469.0pp | 987.18%-979.5pp | 373.66%-366.0pp |
| Employer contribution / active EE | $24,056 | $5,544+333.9% | $4,170+476.9% | $4,754+406.0% |
| Participant deferral / active EE | $10,830 | $4,848+123.4% | $4,083+165.3% | $6,712+61.4% |
| Admin fee / account holder | $9,665 | $6,953+39.0% | $5,651+71.0% | $11,409-15.3% |