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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 | $719,722 | $72,071+898.6% | $68,368+952.7% | $137,256+424.4% |
| Participation rate | 33.3% | 76.2%-42.9pp | 73.8%-40.4pp | 80.0%-46.6pp |
| Annual return | 3.98% | 353.14%-349.2pp | 292.57%-288.6pp | 220.34%-216.4pp |
| Employer contribution / active EE | $12,479 | $2,788+347.6% | $2,649+371.1% | $4,156+200.3% |
| Participant deferral / active EE | $10,167 | $4,410+130.5% | $4,123+146.6% | $6,407+58.7% |
| Admin fee / account holder | $12,802 | $5,336+139.9% | $5,150+148.6% | $12,270+4.3% |