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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 | $351,140 | $142,409+146.6% | $119,634+193.5% | $134,545+161.0% |
| Participation rate | 50.0% | 82.8%-32.8pp | 79.3%-29.3pp | 81.2%-31.2pp |
| Annual return | -14.58% | -12.46%-2.1pp | -14.98%+0.4pp | 418.37%-433.0pp |
| Employer contribution / active EE | $2,070 | $5,224-60.4% | $4,232-51.1% | $4,742-56.4% |
| Participant deferral / active EE | $7,644 | $6,468+18.2% | $5,601+36.5% | $6,401+19.4% |
| Admin fee / account holder | $8,250 | $13,594-39.3% | $10,329-20.1% | $11,431-27.8% |