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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 | $70,366+492.6% | $66,674+525.4% | $138,895+200.2% |
| Participation rate | 18.2% | 76.2%-58.0pp | 73.7%-55.5pp | 79.9%-61.7pp |
| Annual return | 12.68% | 386.41%-373.7pp | 321.24%-308.6pp | 145.39%-132.7pp |
| Employer contribution / active EE | $1,333 | $2,765-51.8% | $2,620-49.1% | $4,194-68.2% |
| Participant deferral / active EE | $4,955 | $4,374+13.3% | $4,084+21.3% | $6,396-22.5% |
| Admin fee / account holder | $1,235 | $5,262-76.5% | $5,098-75.8% | $12,562-90.2% |