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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 | $661,001 | $78,690+740.0% | $161,489+309.3% | $87,485+655.6% |
| Participation rate | 65.9% | 67.5%-1.6pp | 78.7%-12.8pp | 68.9%-3.0pp |
| Annual return | 4.96% | 32.74%-27.8pp | 89.72%-84.8pp | 26.06%-21.1pp |
| Employer contribution / active EE | $38,860 | $2,588+1401.4% | $4,268+810.4% | $2,596+1396.8% |
| Participant deferral / active EE | $19,983 | $3,311+503.6% | $5,630+255.0% | $4,274+367.6% |
| Admin fee / account holder | $9,103 | $6,724+35.4% | $16,006-43.1% | $7,775+17.1% |