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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 | $1,024,735 | $166,242+516.4% | $165,071+520.8% | $145,884+602.4% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.6%-12.0pp | 80.3%-13.6pp |
| Annual return | 7.59% | 100.44%-92.9pp | 70.17%-62.6pp | 551.85%-544.3pp |
| Employer contribution / active EE | $3,657 | $5,283-30.8% | $4,347-15.9% | $4,662-21.6% |
| Participant deferral / active EE | $10,031 | $6,964+44.0% | $6,035+66.2% | $6,690+49.9% |
| Admin fee / account holder | $6,002 | $16,658-64.0% | $12,695-52.7% | $13,392-55.2% |