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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 | $76,519+507.8% | $56,025+730.2% | $145,897+218.8% |
| Participation rate | 16.7% | 63.2%-46.6pp | 52.5%-35.8pp | 80.3%-63.6pp |
| Annual return | 1.66% | 3017.03%-3015.4pp | 1712.69%-1711.0pp | 552.29%-550.6pp |
| Employer contribution / active EE | $307 | $1,383-77.8% | $1,042-70.5% | $4,663-93.4% |
| Participant deferral / active EE | $540 | $2,624-79.4% | $1,955-72.4% | $6,689-91.9% |
| Admin fee / account holder | $25,522 | $3,331+666.3% | $2,828+802.4% | $13,390+90.6% |