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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 | $303,680 | $32,117+845.6% | $71,086+327.2% | $64,173+373.2% |
| Participation rate | 3.6% | 42.7%-39.1pp | 54.7%-51.1pp | 69.6%-66.0pp |
| Annual return | -3.85% | -5.57%+1.7pp | 650.59%-654.4pp | 7.63%-11.5pp |
| Employer contribution / active EE | $375 | $712-47.4% | $1,088-65.5% | $2,381-84.3% |
| Participant deferral / active EE | $577 | $1,263-54.3% | $1,874-69.2% | $3,470-83.4% |
| Admin fee / account holder | $282,103 | $2,759+10124.1% | $3,082+9052.1% | $4,887+5672.1% |