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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 | $831,727 | $81,262+923.5% | $155,602+434.5% | $80,911+928.0% |
| Participation rate | 3.1% | 66.2%-63.1pp | 78.2%-75.1pp | 67.6%-64.5pp |
| Annual return | -84.98% | 33.34%-118.3pp | 64.81%-149.8pp | 35.63%-120.6pp |
| Employer contribution / active EE | $6,712 | $3,102+116.4% | $4,675+43.6% | $2,756+143.6% |
| Participant deferral / active EE | $3,808 | $3,451+10.3% | $5,629-32.3% | $4,297-11.4% |
| Admin fee / account holder | $13,950 | $7,992+74.5% | $15,923-12.4% | $6,935+101.2% |