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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 | $1,224,523 | $108,897+1024.5% | $100,378+1119.9% | $145,877+739.4% |
| Participation rate | 45.5% | 83.0%-37.5pp | 81.5%-36.1pp | 80.3%-34.8pp |
| Annual return | 9.27% | 58.17%-48.9pp | 49.41%-40.1pp | 551.28%-542.0pp |
| Employer contribution / active EE | $15,664 | $4,420+254.4% | $3,942+297.3% | $4,663+235.9% |
| Participant deferral / active EE | $8,611 | $8,455+1.9% | $8,087+6.5% | $6,691+28.7% |
| Admin fee / account holder | $116,184 | $9,690+1099.0% | $7,899+1370.9% | $13,402+766.9% |