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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 | $274,025 | $131,835+107.9% | $108,582+152.4% | $273,9720% |
| Participation rate | 21.7% | 83.5%-61.7pp | 79.6%-57.8pp | 83.0%-61.3pp |
| Annual return | 3.91% | -91.57%+95.5pp | -51.70%+55.6pp | 41.46%-37.5pp |
| Employer contribution / active EE | $2,431 | $4,913-50.5% | $3,758-35.3% | $4,869-50.1% |
| Participant deferral / active EE | $3,783 | $5,127-26.2% | $4,311-12.2% | $5,287-28.4% |
| Admin fee / account holder | $44,849 | $10,253+337.4% | $7,645+486.6% | $10,133+342.6% |