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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 | $367,304 | $129,960+182.6% | $104,299+252.2% | $134,545+173.0% |
| Participation rate | 66.7% | 79.5%-12.9pp | 73.3%-6.6pp | 81.2%-14.6pp |
| Annual return | -17.19% | 42.06%-59.2pp | 24.62%-41.8pp | 418.37%-435.6pp |
| Employer contribution / active EE | $2,500 | $4,186-40.3% | $3,373-25.9% | $4,742-47.3% |
| Participant deferral / active EE | $16,631 | $5,589+197.5% | $4,626+259.5% | $6,401+159.8% |
| Admin fee / account holder | $50,000 | $9,324+436.3% | $7,339+581.2% | $11,431+337.4% |