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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 | $601,812 | $148,629+304.9% | $135,982+342.6% | $139,487+331.4% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 11.28% | 79.33%-68.0pp | 68.32%-57.0pp | 373.84%-362.6pp |
| Employer contribution / active EE | $25,535 | $5,247+386.7% | $4,859+425.5% | $4,755+437.0% |
| Participant deferral / active EE | $16,458 | $8,102+103.1% | $7,760+112.1% | $6,713+145.2% |
| Admin fee / account holder | $19,562 | $12,406+57.7% | $10,767+81.7% | $11,407+71.5% |