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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 | $288,682 | $42,383+581.1% | $76,518+277.3% | $64,173+349.9% |
| Participation rate | 14.3% | 58.1%-43.9pp | 68.0%-53.7pp | 69.6%-55.3pp |
| Annual return | -1.32% | -16.54%+15.2pp | -0.27%-1.1pp | 7.63%-9.0pp |
| Employer contribution / active EE | $354 | $1,563-77.3% | $2,647-86.6% | $2,381-85.1% |
| Participant deferral / active EE | $1,984 | $2,566-22.7% | $3,836-48.3% | $3,470-42.8% |
| Admin fee / account holder | $3,604 | $3,198+12.7% | $4,849-25.7% | $4,887-26.3% |