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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 | $325,944 | $55,041+492.2% | $45,164+621.7% | $134,509+142.3% |
| Participation rate | 66.7% | 63.8%+2.8pp | 55.2%+11.5pp | 81.2%-14.6pp |
| Annual return | -13.92% | -19.63%+5.7pp | -20.28%+6.4pp | 418.13%-432.1pp |
| Employer contribution / active EE | $18,679 | $3,006+521.3% | $2,321+704.7% | $4,741+294.0% |
| Participant deferral / active EE | $16,941 | $3,822+343.3% | $3,184+432.0% | $6,400+164.7% |
| Admin fee / account holder | $3,033 | $4,029-24.7% | $3,071-1.2% | $11,427-73.5% |