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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 | $267,542 | $42,910+523.5% | $60,919+339.2% | $68,490+290.6% |
| Participation rate | 54.4% | 66.8%-12.3pp | 73.1%-18.7pp | 67.9%-13.5pp |
| Annual return | -14.13% | -13.99%-0.1pp | 16.96%-31.1pp | -7.85%-6.3pp |
| Employer contribution / active EE | $1,897 | $1,978-4.1% | $2,704-29.8% | $2,597-26.9% |
| Participant deferral / active EE | $4,802 | $2,866+67.6% | $3,814+25.9% | $4,028+19.2% |
| Admin fee / account holder | $38,800 | $3,104+1149.8% | $3,228+1102.1% | $5,403+618.1% |