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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 | $281,956 | $84,551+233.5% | $61,452+358.8% | $134,532+109.6% |
| Participation rate | 40.0% | 62.2%-22.2pp | 52.6%-12.6pp | 81.2%-41.2pp |
| Annual return | -7.06% | 585.39%-592.4pp | 338.96%-346.0pp | 418.27%-425.3pp |
| Employer contribution / active EE | $1,880 | $1,545+21.7% | $1,160+62.1% | $4,741-60.3% |
| Participant deferral / active EE | $6,000 | $2,818+112.9% | $2,125+182.4% | $6,401-6.3% |
| Admin fee / account holder | $3,594 | $2,587+38.9% | $2,131+68.7% | $11,429-68.6% |