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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 | $374,145 | $124,351+200.9% | $109,188+242.7% | $167,553+123.3% |
| Participation rate | 66.7% | 79.4%-12.8pp | 75.9%-9.2pp | 82.1%-15.4pp |
| Annual return | 9.10% | 26.04%-16.9pp | 25.76%-16.7pp | 478.89%-469.8pp |
| Employer contribution / active EE | $8,523 | $4,210+102.5% | $3,723+128.9% | $4,840+76.1% |
| Participant deferral / active EE | $9,956 | $5,257+89.4% | $4,654+113.9% | $6,343+57.0% |
| Admin fee / account holder | $71,094 | $7,975+791.5% | $6,755+952.4% | $12,316+477.2% |