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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 | $465,103 | $76,608+507.1% | $56,077+729.4% | $145,877+218.8% |
| Participation rate | 16.7% | 63.2%-46.6pp | 52.5%-35.8pp | 80.3%-63.6pp |
| Annual return | 1.66% | 3009.59%-3007.9pp | 1709.28%-1707.6pp | 551.28%-549.6pp |
| Employer contribution / active EE | $307 | $1,382-77.8% | $1,040-70.5% | $4,663-93.4% |
| Participant deferral / active EE | $540 | $2,624-79.4% | $1,954-72.4% | $6,691-91.9% |
| Admin fee / account holder | $25,522 | $3,325+667.6% | $2,825+803.5% | $13,402+90.4% |