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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 | $432,695 | $129,737+233.5% | $119,126+263.2% | $154,746+179.6% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 3.82% | 379.08%-375.3pp | 282.11%-278.3pp | 172.34%-168.5pp |
| Employer contribution / active EE | $1,667 | $4,375-61.9% | $4,034-58.7% | $4,379-61.9% |
| Participant deferral / active EE | $2,625 | $5,842-55.1% | $5,318-50.6% | $6,730-61.0% |
| Admin fee / account holder | $4,039 | $11,961-66.2% | $10,693-62.2% | $14,365-71.9% |