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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 | $271,407 | $65,555+314.0% | $86,216+214.8% | $75,173+261.0% |
| Participation rate | 51.6% | 60.5%-8.9pp | 69.0%-17.3pp | 67.2%-15.6pp |
| Annual return | 4.37% | 46.07%-41.7pp | 1169.42%-1165.0pp | 160.72%-156.4pp |
| Employer contribution / active EE | $8,099 | $1,553+421.4% | $2,382+240.1% | $2,671+203.2% |
| Participant deferral / active EE | $3,749 | $3,023+24.0% | $3,986-5.9% | $4,126-9.1% |
| Admin fee / account holder | $10,891 | $5,469+99.1% | $6,853+58.9% | $5,651+92.7% |