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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 | $592,290 | $167,353+253.9% | $143,797+311.9% | $134,545+340.2% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.7pp | 81.2%-14.6pp |
| Annual return | -11.94% | 0.48%-12.4pp | -0.04%-11.9pp | 418.37%-430.3pp |
| Employer contribution / active EE | $3,289 | $5,620-41.5% | $4,952-33.6% | $4,742-30.6% |
| Participant deferral / active EE | $4,211 | $6,447-34.7% | $5,638-25.3% | $6,401-34.2% |
| Admin fee / account holder | $15,426 | $18,096-14.8% | $14,679+5.1% | $11,431+35.0% |