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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 | $427,468 | $210,510+103.1% | $153,500+178.5% | $145,877+193.0% |
| Participation rate | 66.7% | 82.1%-15.5pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 7.09% | 13.45%-6.4pp | 15.70%-8.6pp | 551.28%-544.2pp |
| Employer contribution / active EE | $2,112 | $6,052-65.1% | $5,039-58.1% | $4,663-54.7% |
| Participant deferral / active EE | $19,398 | $7,974+143.3% | $6,756+187.1% | $6,691+189.9% |
| Admin fee / account holder | $82,503 | $19,455+324.1% | $12,736+547.8% | $13,402+515.6% |