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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 | $365,928 | $96,361+279.7% | $80,607+354.0% | $139,456+162.4% |
| Participation rate | 66.7% | 73.6%-7.0pp | 67.0%-0.3pp | 80.3%-13.7pp |
| Annual return | 8.54% | 1350.95%-1342.4pp | 936.11%-927.6pp | 373.45%-364.9pp |
| Employer contribution / active EE | $8,590 | $3,262+163.3% | $2,724+215.3% | $4,753+80.7% |
| Participant deferral / active EE | $2,588 | $5,232-50.5% | $4,448-41.8% | $6,711-61.4% |
| Admin fee / account holder | $42,125 | $6,601+538.2% | $5,379+683.1% | $11,407+269.3% |