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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 | $447,813 | $115,225+288.6% | $100,712+344.6% | $138,895+222.4% |
| Participation rate | 0.0% | 74.3%-74.3pp | 69.3%-69.3pp | 79.9%-79.9pp |
| Annual return | 8.95% | 40.35%-31.4pp | 33.27%-24.3pp | 145.39%-136.4pp |
| Employer contribution / active EE | $2,566 | $2,771-7.4% | $2,313+11.0% | $4,194-38.8% |
| Participant deferral / active EE | $6,018 | $4,699+28.1% | $4,085+47.3% | $6,396-5.9% |
| Admin fee / account holder | $25,203 | $10,844+132.4% | $9,256+172.3% | $12,562+100.6% |