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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 | $563,764 | $77,908+623.6% | $149,696+276.6% | $75,173+650.0% |
| Participation rate | 65.4% | 65.6%-0.2pp | 78.8%-13.4pp | 67.2%-1.8pp |
| Annual return | 9.09% | 31.73%-22.6pp | 134.46%-125.4pp | 160.72%-151.6pp |
| Employer contribution / active EE | $12,587 | $3,138+301.1% | $4,821+161.1% | $2,671+371.2% |
| Participant deferral / active EE | $7,527 | $3,411+120.7% | $5,682+32.5% | $4,126+82.4% |
| Admin fee / account holder | $49,912 | $5,950+738.9% | $13,212+277.8% | $5,651+783.3% |