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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 | $547,920 | $100,147+447.1% | $81,286+574.1% | $145,877+275.6% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.5%-2.9pp | 80.3%-13.6pp |
| Annual return | 2.56% | 34.44%-31.9pp | 24.80%-22.2pp | 551.28%-548.7pp |
| Employer contribution / active EE | $3,562 | $2,977+19.7% | $2,463+44.7% | $4,663-23.6% |
| Participant deferral / active EE | $7,818 | $4,607+69.7% | $3,883+101.3% | $6,691+16.8% |
| Admin fee / account holder | $20,577 | $8,201+150.9% | $5,764+257.0% | $13,402+53.5% |