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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.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $388,772 | $142,409+173.0% | $119,634+225.0% | $134,545+189.0% |
| Participation rate | 66.7% | 82.8%-16.2pp | 79.3%-12.6pp | 81.2%-14.6pp |
| Annual return | -14.16% | -12.46%-1.7pp | -14.98%+0.8pp | 418.37%-432.5pp |
| Employer contribution / active EE | $6,667 | $5,224+27.6% | $4,232+57.5% | $4,742+40.6% |
| Participant deferral / active EE | $10,680 | $6,468+65.1% | $5,601+90.7% | $6,401+66.8% |
| Admin fee / account holder | $4,740 | $13,594-65.1% | $10,329-54.1% | $11,431-58.5% |