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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 | $595,997 | $197,637+201.6% | $177,848+235.1% | $158,982+274.9% |
| Participation rate | 55.0% | 88.5%-33.5pp | 87.7%-32.7pp | 82.0%-27.0pp |
| Annual return | -0.89% | 58.77%-59.7pp | 48.33%-49.2pp | 302.99%-303.9pp |
| Employer contribution / active EE | $1,710 | $6,698-74.5% | $5,919-71.1% | $4,763-64.1% |
| Participant deferral / active EE | $10,066 | $8,405+19.8% | $7,714+30.5% | $5,983+68.2% |
| Admin fee / account holder | $4,483 | $15,406-70.9% | $12,431-63.9% | $11,252-60.2% |