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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 | $276,870 | $47,479+483.1% | $62,929+340.0% | $82,448+235.8% |
| Participation rate | 63.5% | 66.9%-3.4pp | 73.1%-9.6pp | 68.1%-4.6pp |
| Annual return | 11.50% | 20.34%-8.8pp | 1063.93%-1052.4pp | 41.64%-30.1pp |
| Employer contribution / active EE | $14,658 | $1,885+677.5% | $2,505+485.3% | $2,551+474.6% |
| Participant deferral / active EE | $2,352 | $2,870-18.1% | $3,888-39.5% | $4,139-43.2% |
| Admin fee / account holder | $22,139 | $3,804+482.0% | $5,065+337.1% | $7,234+206.0% |