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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 | $100,262+446.5% | $81,370+573.4% | $145,897+275.6% |
| Participation rate | 66.7% | 74.3%-7.6pp | 69.5%-2.9pp | 80.3%-13.6pp |
| Annual return | 2.56% | 34.52%-32.0pp | 24.85%-22.3pp | 552.29%-549.7pp |
| Employer contribution / active EE | $3,562 | $2,979+19.6% | $2,464+44.6% | $4,663-23.6% |
| Participant deferral / active EE | $7,818 | $4,612+69.5% | $3,885+101.2% | $6,689+16.9% |
| Admin fee / account holder | $20,577 | $8,163+152.1% | $5,749+257.9% | $13,390+53.7% |