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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 | $421,992 | $99,921+322.3% | $85,009+396.4% | $145,959+189.1% |
| Participation rate | 57.1% | 74.1%-16.9pp | 67.5%-10.4pp | 80.3%-23.1pp |
| Annual return | 4.73% | 83.89%-79.2pp | 66.47%-61.7pp | 561.95%-557.2pp |
| Employer contribution / active EE | $15,168 | $3,233+369.2% | $2,728+455.9% | $4,661+225.4% |
| Participant deferral / active EE | $10,269 | $5,293+94.0% | $4,522+127.1% | $6,689+53.5% |
| Admin fee / account holder | $3,664 | $7,252-49.5% | $6,153-40.4% | $13,398-72.6% |