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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 | $332,542 | $111,535+198.2% | $105,223+216.0% | $137,256+142.3% |
| Participation rate | 0.0% | 78.1%-78.1pp | 75.0%-75.0pp | 80.0%-80.0pp |
| Annual return | 8.04% | 237.85%-229.8pp | 180.65%-172.6pp | 220.34%-212.3pp |
| Employer contribution / active EE | $7,338 | $3,939+86.3% | $3,689+98.9% | $4,156+76.6% |
| Participant deferral / active EE | $11,319 | $5,500+105.8% | $5,072+123.2% | $6,407+76.7% |
| Admin fee / account holder | $1,075,518 | $9,721+10963.4% | $8,859+12040.7% | $12,270+8665.3% |