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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 | $326,135 | $67,602+382.4% | $82,312+296.2% | $70,126+365.1% |
| Participation rate | 0.0% | 72.8%-72.8pp | 76.9%-76.9pp | 69.5%-69.5pp |
| Annual return | 12.09% | 21.57%-9.5pp | 25.88%-13.8pp | 73.15%-61.1pp |
| Employer contribution / active EE | $6,058 | $1,755+245.2% | $2,428+149.5% | $2,343+158.6% |
| Participant deferral / active EE | $4,539 | $2,987+52.0% | $3,706+22.5% | $3,332+36.2% |
| Admin fee / account holder | $16,378 | $4,512+263.0% | $5,608+192.1% | $4,645+252.6% |