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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 | $311,001 | $85,766+262.6% | $136,298+128.2% | $70,126+343.5% |
| Participation rate | 69.0% | 74.2%-5.2pp | 81.9%-13.0pp | 69.5%-0.6pp |
| Annual return | 13.20% | 31.46%-18.3pp | 5156.27%-5143.1pp | 73.15%-59.9pp |
| Employer contribution / active EE | $19,976 | $2,966+573.5% | $4,696+325.4% | $2,343+752.8% |
| Participant deferral / active EE | $0 | $5,051-100.0% | $6,247-100.0% | $3,332-100.0% |
| Admin fee / account holder | $3,623 | $5,421-33.2% | $9,244-60.8% | $4,645-22.0% |