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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 | $670,371 | $77,908+760.5% | $149,696+347.8% | $75,173+791.8% |
| Participation rate | 68.4% | 65.6%+2.8pp | 78.8%-10.4pp | 67.2%+1.2pp |
| Annual return | 11.35% | 31.73%-20.4pp | 134.46%-123.1pp | 160.72%-149.4pp |
| Employer contribution / active EE | $3,932 | $3,138+25.3% | $4,821-18.4% | $2,671+47.2% |
| Participant deferral / active EE | $3,701 | $3,411+8.5% | $5,682-34.9% | $4,126-10.3% |
| Admin fee / account holder | $51,429 | $5,950+764.4% | $13,212+289.3% | $5,651+810.2% |