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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 | $905,380 | $180,749+400.9% | $160,784+463.1% | $137,256+559.6% |
| Participation rate | 33.3% | 80.0%-46.6pp | 77.0%-43.6pp | 80.0%-46.6pp |
| Annual return | 4.72% | 2234.46%-2229.7pp | 1803.92%-1799.2pp | 220.34%-215.6pp |
| Employer contribution / active EE | $12,833 | $4,155+208.8% | $3,733+243.8% | $4,156+208.8% |
| Participant deferral / active EE | $10,333 | $6,844+51.0% | $6,293+64.2% | $6,407+61.3% |
| Admin fee / account holder | $36,459 | $10,397+250.7% | $9,717+275.2% | $12,270+197.1% |