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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 | $100,073+321.7% | $85,126+395.7% | $145,877+189.3% |
| Participation rate | 57.1% | 74.1%-17.0pp | 67.5%-10.4pp | 80.3%-23.2pp |
| Annual return | 4.73% | 84.11%-79.4pp | 66.63%-61.9pp | 551.28%-546.5pp |
| Employer contribution / active EE | $15,168 | $3,236+368.7% | $2,731+455.3% | $4,663+225.3% |
| Participant deferral / active EE | $10,269 | $5,294+94.0% | $4,523+127.0% | $6,691+53.5% |
| Admin fee / account holder | $3,664 | $7,261-49.5% | $6,160-40.5% | $13,402-72.7% |