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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 | $494,054 | $165,399+198.7% | $149,745+229.9% | $158,982+210.8% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 7.09% | 348.34%-341.2pp | 276.72%-269.6pp | 302.99%-295.9pp |
| Employer contribution / active EE | $7,527 | $5,105+47.5% | $4,646+62.0% | $4,763+58.0% |
| Participant deferral / active EE | $6,069 | $7,183-15.5% | $6,843-11.3% | $5,983+1.4% |
| Admin fee / account holder | $7,676 | $10,811-29.0% | $9,312-17.6% | $11,252-31.8% |