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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 | $134,817+221.0% | $123,973+249.0% | $155,188+178.8% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.7%-10.0pp | 80.8%-14.1pp |
| Annual return | 3.82% | 515.49%-511.7pp | 388.13%-384.3pp | 148.84%-145.0pp |
| Employer contribution / active EE | $1,667 | $4,425-62.3% | $4,126-59.6% | $4,248-60.8% |
| Participant deferral / active EE | $2,625 | $5,706-54.0% | $5,247-50.0% | $6,531-59.8% |
| Admin fee / account holder | $4,039 | $13,245-69.5% | $11,799-65.8% | $14,480-72.1% |