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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 | $832,993 | $211,239+294.3% | $178,528+366.6% | $145,877+471.0% |
| Participation rate | 33.3% | 80.8%-47.5pp | 77.1%-43.8pp | 80.3%-47.0pp |
| Annual return | 2.76% | 30.22%-27.5pp | 27.11%-24.4pp | 551.28%-548.5pp |
| Employer contribution / active EE | $0 | $4,570-100.0% | $3,950-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $10,167 | $6,963+46.0% | $6,278+61.9% | $6,691+52.0% |
| Admin fee / account holder | $281,163 | $12,095+2224.7% | $10,419+2598.6% | $13,402+1997.9% |