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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 | $576,120 | $167,533+243.9% | $151,645+279.9% | $134,545+328.2% |
| Participation rate | 60.0% | 88.4%-28.4pp | 87.5%-27.5pp | 81.2%-21.2pp |
| Annual return | -16.81% | 7.81%-24.6pp | 3.34%-20.1pp | 418.37%-435.2pp |
| Employer contribution / active EE | $0 | $6,828-100.0% | $6,165-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $11,095 | $8,985+23.5% | $8,363+32.7% | $6,401+73.3% |
| Admin fee / account holder | $2,741 | $13,781-80.1% | $11,614-76.4% | $11,431-76.0% |