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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 | $416,969 | $72,071+478.5% | $68,368+509.9% | $137,256+203.8% |
| Participation rate | 18.2% | 76.2%-58.1pp | 73.8%-55.6pp | 80.0%-61.8pp |
| Annual return | 12.68% | 353.14%-340.5pp | 292.57%-279.9pp | 220.34%-207.7pp |
| Employer contribution / active EE | $1,333 | $2,788-52.2% | $2,649-49.7% | $4,156-67.9% |
| Participant deferral / active EE | $4,955 | $4,410+12.3% | $4,123+20.2% | $6,407-22.7% |
| Admin fee / account holder | $1,235 | $5,336-76.9% | $5,150-76.0% | $12,270-89.9% |