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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 | $1,017,752 | $70,366+1346.4% | $66,674+1426.5% | $138,895+632.7% |
| Participation rate | 0.0% | 76.2%-76.2pp | 73.7%-73.7pp | 79.9%-79.9pp |
| Annual return | 12.29% | 386.41%-374.1pp | 321.24%-309.0pp | 145.39%-133.1pp |
| Employer contribution / active EE | $22,975 | $2,765+730.9% | $2,620+776.9% | $4,194+447.8% |
| Participant deferral / active EE | $7,500 | $4,374+71.5% | $4,084+83.6% | $6,396+17.3% |
| Admin fee / account holder | $9,351 | $5,262+77.7% | $5,098+83.4% | $12,562-25.6% |