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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 | $534,934 | $217,432+146.0% | $185,851+187.8% | $167,553+219.3% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 6.32% | 148.43%-142.1pp | 122.11%-115.8pp | 478.89%-472.6pp |
| Employer contribution / active EE | $3,360 | $5,874-42.8% | $5,168-35.0% | $4,840-30.6% |
| Participant deferral / active EE | $8,767 | $6,357+37.9% | $5,569+57.4% | $6,343+38.2% |
| Admin fee / account holder | $20,813 | $19,820+5.0% | $16,245+28.1% | $12,316+69.0% |