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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 | $2,666,742 | $91,537+2813.3% | $130,045+1950.6% | $75,173+3447.5% |
| Participation rate | 17.6% | 71.5%-53.8pp | 78.5%-60.9pp | 67.2%-49.6pp |
| Annual return | 7.03% | -631.55%+638.6pp | -137.30%+144.3pp | 160.72%-153.7pp |
| Employer contribution / active EE | $8,735 | $2,845+207.1% | $4,321+102.1% | $2,671+227.0% |
| Participant deferral / active EE | $8,503 | $4,343+95.8% | $5,820+46.1% | $4,126+106.1% |
| Admin fee / account holder | $595,939 | $6,780+8689.9% | $10,600+5521.9% | $5,651+10446.6% |