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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 | $86,050+668.2% | $189,758+248.3% | $94,015+603.1% |
| Participation rate | 65.9% | 68.9%-3.0pp | 79.8%-13.9pp | 70.8%-4.9pp |
| Annual return | 4.96% | 17.77%-12.8pp | 52.62%-47.7pp | 17.84%-12.9pp |
| Employer contribution / active EE | $38,860 | $2,819+1278.4% | $4,767+715.3% | $2,790+1292.8% |
| Participant deferral / active EE | $19,983 | $3,349+496.7% | $5,856+241.2% | $4,249+370.3% |
| Admin fee / account holder | $9,103 | $6,627+37.4% | $20,388-55.3% | $8,951+1.7% |