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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 | $587,951 | $148,629+295.6% | $135,982+332.4% | $139,487+321.5% |
| Participation rate | 33.3% | 83.9%-50.5pp | 81.9%-48.6pp | 80.3%-47.0pp |
| Annual return | 11.32% | 79.33%-68.0pp | 68.32%-57.0pp | 373.84%-362.5pp |
| Employer contribution / active EE | $9,651 | $5,247+84.0% | $4,859+98.6% | $4,755+103.0% |
| Participant deferral / active EE | $9,646 | $8,102+19.1% | $7,760+24.3% | $6,713+43.7% |
| Admin fee / account holder | $411,704 | $12,406+3218.5% | $10,767+3723.7% | $11,407+3509.1% |