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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 | $1,411,161 | $102,635+1274.9% | $86,209+1536.9% | $139,456+911.9% |
| Participation rate | 25.0% | 74.5%-49.5pp | 69.0%-44.0pp | 80.3%-55.3pp |
| Annual return | 3.41% | 1923.53%-1920.1pp | 1169.05%-1165.6pp | 373.45%-370.0pp |
| Employer contribution / active EE | $1,726 | $3,034-43.1% | $2,381-27.5% | $4,753-63.7% |
| Participant deferral / active EE | $4,321 | $4,677-7.6% | $3,986+8.4% | $6,711-35.6% |
| Admin fee / account holder | $50,782 | $8,661+486.4% | $6,853+641.0% | $11,407+345.2% |