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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 | $2,245,388 | $97,125+2211.8% | $86,233+2503.9% | $137,256+1535.9% |
| Participation rate | 33.3% | 74.2%-40.9pp | 69.0%-35.7pp | 80.0%-46.6pp |
| Annual return | 8.86% | 74.19%-65.3pp | 61.39%-52.5pp | 220.34%-211.5pp |
| Employer contribution / active EE | $4,344 | $2,841+52.9% | $2,504+73.4% | $4,156+4.5% |
| Participant deferral / active EE | $0 | $5,180-100.0% | $4,559-100.0% | $6,407-100.0% |
| Admin fee / account holder | $143,860 | $9,725+1379.3% | $8,342+1624.5% | $12,270+1072.4% |