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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 | $309,276 | $138,075+124.0% | $123,552+150.3% | $135,379+128.5% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -9.04% | 153.70%-162.7pp | 119.20%-128.2pp | 519.79%-528.8pp |
| Employer contribution / active EE | $27,200 | $5,152+428.0% | $4,628+487.7% | $4,779+469.2% |
| Participant deferral / active EE | $2,293 | $6,800-66.3% | $6,426-64.3% | $5,609-59.1% |
| Admin fee / account holder | $9,648 | $10,917-11.6% | $9,285+3.9% | $10,828-10.9% |