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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 | $663,035 | $165,399+300.9% | $149,745+342.8% | $158,982+317.1% |
| Participation rate | 40.0% | 84.6%-44.6pp | 82.5%-42.5pp | 82.0%-42.0pp |
| Annual return | 3.95% | 348.34%-344.4pp | 276.72%-272.8pp | 302.99%-299.0pp |
| Employer contribution / active EE | $2,280 | $5,105-55.3% | $4,646-50.9% | $4,763-52.1% |
| Participant deferral / active EE | $3,900 | $7,183-45.7% | $6,843-43.0% | $5,983-34.8% |
| Admin fee / account holder | $5,327 | $10,811-50.7% | $9,312-42.8% | $11,252-52.7% |