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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 | $1,622,666 | $110,410+1369.7% | $102,437+1484.1% | $145,897+1012.2% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.7pp | 80.3%-37.4pp |
| Annual return | 4.33% | 24.85%-20.5pp | 24.95%-20.6pp | 552.29%-548.0pp |
| Employer contribution / active EE | $11,031 | $4,217+161.6% | $3,871+185.0% | $4,663+136.6% |
| Participant deferral / active EE | $10,900 | $5,622+93.9% | $5,060+115.4% | $6,689+62.9% |
| Admin fee / account holder | $2,693 | $9,745-72.4% | $8,388-67.9% | $13,390-79.9% |