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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 | $325,863 | $148,629+119.2% | $135,982+139.6% | $139,487+133.6% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 9.90% | 79.33%-69.4pp | 68.32%-58.4pp | 373.84%-363.9pp |
| Employer contribution / active EE | $8,720 | $5,247+66.2% | $4,859+79.5% | $4,755+83.4% |
| Participant deferral / active EE | $10,688 | $8,102+31.9% | $7,760+37.7% | $6,713+59.2% |
| Admin fee / account holder | $230,808 | $12,406+1760.4% | $10,767+2043.6% | $11,407+1923.3% |