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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 | $76,407+765.1% | $150,298+339.8% | $82,448+701.7% |
| Participation rate | 65.9% | 66.4%-0.5pp | 77.8%-11.9pp | 68.1%-2.2pp |
| Annual return | 4.96% | 39.99%-35.0pp | 62.79%-57.8pp | 41.64%-36.7pp |
| Employer contribution / active EE | $38,860 | $2,614+1386.6% | $4,154+835.5% | $2,551+1423.4% |
| Participant deferral / active EE | $19,983 | $3,214+521.7% | $5,453+266.5% | $4,139+382.8% |
| Admin fee / account holder | $9,103 | $6,352+43.3% | $14,116-35.5% | $7,234+25.8% |