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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 | $864,185 | $176,786+388.8% | $146,643+489.3% | $167,536+415.8% |
| Participation rate | 66.7% | 83.6%-17.0pp | 80.1%-13.4pp | 82.1%-15.4pp |
| Annual return | 6.04% | 24.04%-18.0pp | 22.75%-16.7pp | 478.82%-472.8pp |
| Employer contribution / active EE | $3,567 | $5,161-30.9% | $4,137-13.8% | $4,839-26.3% |
| Participant deferral / active EE | $8,948 | $6,440+38.9% | $5,506+62.5% | $6,342+41.1% |
| Admin fee / account holder | $3,317 | $13,262-75.0% | $10,280-67.7% | $12,315-73.1% |