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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 | $477,392 | $110,801+330.9% | $86,615+451.2% | $167,536+184.9% |
| Participation rate | 68.8% | 75.8%-7.0pp | 71.6%-2.9pp | 82.1%-13.4pp |
| Annual return | -0.70% | 116.96%-117.7pp | 63.51%-64.2pp | 478.82%-479.5pp |
| Employer contribution / active EE | $3,395 | $3,245+4.6% | $2,496+36.0% | $4,839-29.9% |
| Participant deferral / active EE | $6,930 | $4,547+52.4% | $3,699+87.3% | $6,342+9.3% |
| Admin fee / account holder | $15,083 | $8,417+79.2% | $5,830+158.7% | $12,315+22.5% |