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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 | $283,079 | $72,071+292.8% | $68,368+314.1% | $137,256+106.2% |
| Participation rate | 60.0% | 76.2%-16.2pp | 73.8%-13.8pp | 80.0%-20.0pp |
| Annual return | 9.18% | 353.14%-344.0pp | 292.57%-283.4pp | 220.34%-211.2pp |
| Employer contribution / active EE | $716 | $2,788-74.3% | $2,649-73.0% | $4,156-82.8% |
| Participant deferral / active EE | $865 | $4,410-80.4% | $4,123-79.0% | $6,407-86.5% |
| Admin fee / account holder | $24,339 | $5,336+356.2% | $5,150+372.6% | $12,270+98.4% |