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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 | $108,911+1024.3% | $100,392+1119.7% | $145,884+739.4% |
| Participation rate | 45.5% | 83.0%-37.5pp | 81.5%-36.1pp | 80.3%-34.8pp |
| Annual return | 9.27% | 58.23%-49.0pp | 49.45%-40.2pp | 551.85%-542.6pp |
| Employer contribution / active EE | $15,664 | $4,420+254.4% | $3,941+297.4% | $4,662+236.0% |
| Participant deferral / active EE | $8,611 | $8,459+1.8% | $8,090+6.4% | $6,690+28.7% |
| Admin fee / account holder | $116,184 | $9,698+1098.0% | $7,904+1369.9% | $13,392+767.6% |