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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $505,423 | $125,237+303.6% | $105,608+378.6% | $145,877+246.5% |
| Participation rate | 66.7% | 77.7%-11.0pp | 75.3%-8.6pp | 80.3%-13.6pp |
| Annual return | 9.20% | 225.76%-216.6pp | 116.50%-107.3pp | 551.28%-542.1pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $7,332 | $5,711+28.4% | $5,010+46.4% | $6,691+9.6% |
| Admin fee / account holder | $1,006,323 | $17,287+5721.1% | $11,028+9025.0% | $13,402+7408.7% |