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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 | $352,205 | $106,551+230.6% | $91,225+286.1% | $134,532+161.8% |
| Participation rate | 62.5% | 76.8%-14.3pp | 73.2%-10.7pp | 81.2%-18.7pp |
| Annual return | -18.04% | 160.78%-178.8pp | 114.12%-132.2pp | 418.27%-436.3pp |
| Employer contribution / active EE | $0 | $3,331-100.0% | $2,851-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $5,194 | $4,718+10.1% | $4,233+22.7% | $6,401-18.9% |
| Admin fee / account holder | $14,041 | $6,234+125.2% | $5,422+158.9% | $11,429+22.9% |