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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 | $254,776 | $167,352+52.2% | $143,788+77.2% | $134,509+89.4% |
| Participation rate | 66.7% | 84.8%-18.1pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -19.48% | 0.47%-20.0pp | -0.03%-19.5pp | 418.13%-437.6pp |
| Employer contribution / active EE | $5,011 | $5,620-10.8% | $4,952+1.2% | $4,741+5.7% |
| Participant deferral / active EE | $18,000 | $6,447+179.2% | $5,638+219.3% | $6,400+181.2% |
| Admin fee / account holder | $1,181 | $18,091-93.5% | $14,675-92.0% | $11,427-89.7% |