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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 | $327,923 | $69,774+370.0% | $67,575+385.3% | $74,459+340.4% |
| Participation rate | 39.6% | 71.4%-31.8pp | 72.9%-33.3pp | 67.2%-27.6pp |
| Annual return | 12.59% | -40.53%+53.1pp | 3528.98%-3516.4pp | 1369.70%-1357.1pp |
| Employer contribution / active EE | $1,802 | $2,710-33.5% | $2,736-34.1% | $2,626-31.4% |
| Participant deferral / active EE | $3,923 | $3,636+7.9% | $4,003-2.0% | $4,350-9.8% |
| Admin fee / account holder | $2,862 | $890+221.6% | $3,993-28.3% | $1,945+47.2% |