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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 | $748,042 | $98,776+657.3% | $149,745+399.5% | $79,856+836.7% |
| Participation rate | 65.9% | 75.8%-9.9pp | 82.5%-16.6pp | 69.6%-3.8pp |
| Annual return | 10.28% | 27.38%-17.1pp | 276.72%-266.4pp | 31.71%-21.4pp |
| Employer contribution / active EE | $3,055 | $3,217-5.0% | $4,646-34.2% | $2,471+23.6% |
| Participant deferral / active EE | $3,504 | $5,681-38.3% | $6,843-48.8% | $3,741-6.3% |
| Admin fee / account holder | $23,811 | $6,053+293.4% | $9,312+155.7% | $5,306+348.7% |