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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 | $309,611 | $111,814+176.9% | $103,378+199.5% | $145,978+112.1% |
| Participation rate | 0.0% | 77.9%-77.9pp | 74.5%-74.5pp | 80.3%-80.3pp |
| Annual return | 8.30% | 24.80%-16.5pp | 24.91%-16.6pp | 550.52%-542.2pp |
| Employer contribution / active EE | $13,153 | $4,215+212.0% | $3,870+239.8% | $4,662+182.1% |
| Participant deferral / active EE | $6,593 | $5,618+17.4% | $5,058+30.3% | $6,690-1.4% |
| Admin fee / account holder | $263,281 | $9,764+2596.5% | $8,401+3034.0% | $13,400+1864.7% |