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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 | $670,343 | $167,533+300.1% | $151,645+342.0% | $134,545+398.2% |
| Participation rate | 50.0% | 88.4%-38.4pp | 87.5%-37.5pp | 81.2%-31.2pp |
| Annual return | -18.41% | 7.81%-26.2pp | 3.34%-21.7pp | 418.37%-436.8pp |
| Employer contribution / active EE | $3,327 | $6,828-51.3% | $6,165-46.0% | $4,742-29.8% |
| Participant deferral / active EE | $13,500 | $8,985+50.2% | $8,363+61.4% | $6,401+110.9% |
| Admin fee / account holder | $3,715 | $13,781-73.0% | $11,614-68.0% | $11,431-67.5% |