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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 | $727,952 | $102,696+608.8% | $86,235+744.1% | $139,487+421.9% |
| Participation rate | 50.0% | 74.5%-24.5pp | 69.0%-19.0pp | 80.3%-30.3pp |
| Annual return | 3.47% | 1925.91%-1922.4pp | 1170.03%-1166.6pp | 373.84%-370.4pp |
| Employer contribution / active EE | $1,657 | $3,034-45.4% | $2,381-30.4% | $4,755-65.2% |
| Participant deferral / active EE | $6,750 | $4,679+44.3% | $3,987+69.3% | $6,713+0.6% |
| Admin fee / account holder | $28,325 | $8,667+226.8% | $6,856+313.2% | $11,407+148.3% |