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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 | $1,606,002 | $46,697+3339.2% | $117,529+1266.5% | $68,490+2244.9% |
| Participation rate | 7.9% | 56.8%-48.9pp | 70.6%-62.7pp | 67.9%-60.0pp |
| Annual return | -20.20% | -14.52%-5.7pp | 29.77%-50.0pp | -7.85%-12.4pp |
| Employer contribution / active EE | $578 | $1,506-61.6% | $4,179-86.2% | $2,597-77.8% |
| Participant deferral / active EE | $7,873 | $2,637+198.5% | $4,072+93.3% | $4,028+95.5% |
| Admin fee / account holder | $38,819 | $4,023+865.0% | $5,645+587.6% | $5,403+618.5% |