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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 | $76,785+505.7% | $56,441+724.1% | $145,959+218.7% |
| Participation rate | 16.7% | 63.2%-46.6pp | 52.5%-35.8pp | 80.3%-63.6pp |
| Annual return | 1.66% | 3000.51%-2998.8pp | 1704.21%-1702.6pp | 561.95%-560.3pp |
| Employer contribution / active EE | $307 | $1,381-77.8% | $1,039-70.5% | $4,661-93.4% |
| Participant deferral / active EE | $540 | $2,624-79.4% | $1,953-72.3% | $6,689-91.9% |
| Admin fee / account holder | $25,522 | $3,334+665.5% | $2,829+802.1% | $13,398+90.5% |