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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 | $981,863 | $211,946+363.3% | $169,452+479.4% | $135,380+625.3% |
| Participation rate | 50.0% | 82.6%-32.6pp | 77.8%-27.8pp | 82.6%-32.6pp |
| Annual return | -7.88% | 3.26%-11.1pp | 1.83%-9.7pp | 519.81%-527.7pp |
| Employer contribution / active EE | $6,000 | $5,117+17.3% | $4,157+44.3% | $4,779+25.6% |
| Participant deferral / active EE | $12,250 | $6,075+101.6% | $5,277+132.1% | $5,609+118.4% |
| Admin fee / account holder | $1,658 | $11,472-85.5% | $9,110-81.8% | $10,828-84.7% |