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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 | $650,971 | $175,259+271.4% | $149,723+334.8% | $139,487+366.7% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 8.22% | 166.82%-158.6pp | 134.50%-126.3pp | 373.84%-365.6pp |
| Employer contribution / active EE | $2,682 | $5,478-51.0% | $4,821-44.4% | $4,755-43.6% |
| Participant deferral / active EE | $3,985 | $6,522-38.9% | $5,682-29.9% | $6,713-40.6% |
| Admin fee / account holder | $8,872 | $16,158-45.1% | $13,215-32.9% | $11,407-22.2% |