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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 | $436,362 | $98,776+341.8% | $149,745+191.4% | $79,856+446.4% |
| Participation rate | 62.3% | 75.8%-13.5pp | 82.5%-20.2pp | 69.6%-7.3pp |
| Annual return | 9.24% | 27.38%-18.1pp | 276.72%-267.5pp | 31.71%-22.5pp |
| Employer contribution / active EE | $6,141 | $3,217+90.9% | $4,646+32.2% | $2,471+148.5% |
| Participant deferral / active EE | $8,679 | $5,681+52.8% | $6,843+26.8% | $3,741+132.0% |
| Admin fee / account holder | $47,494 | $6,053+684.7% | $9,312+410.0% | $5,306+795.0% |