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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 | $535,533 | $140,578+281.0% | $100,671+432.0% | $125,389+327.1% |
| Participation rate | 33.3% | 80.4%-47.1pp | 70.7%-37.4pp | 83.2%-49.9pp |
| Annual return | -2.09% | 24.67%-26.8pp | 20.43%-22.5pp | 282.24%-284.3pp |
| Employer contribution / active EE | $3,467 | $5,965-41.9% | $4,012-13.6% | $4,866-28.8% |
| Participant deferral / active EE | $3,700 | $3,981-7.1% | $3,144+17.7% | $5,352-30.9% |
| Admin fee / account holder | $7,719 | $6,716+14.9% | $4,850+59.2% | $9,541-19.1% |