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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 | $1,702,557 | $202,342+741.4% | $172,753+885.5% | $152,909+1013.4% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 7.19% | 1029.88%-1022.7pp | 803.00%-795.8pp | 345.46%-338.3pp |
| Employer contribution / active EE | $14,000 | $5,857+139.0% | $5,144+172.2% | $4,764+193.9% |
| Participant deferral / active EE | $4,875 | $5,948-18.0% | $5,198-6.2% | $5,851-16.7% |
| Admin fee / account holder | $1,245 | $17,112-92.7% | $13,956-91.1% | $11,601-89.3% |