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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 | $262,572 | $82,678+217.6% | $125,391+109.4% | $68,490+283.4% |
| Participation rate | 61.0% | 75.1%-14.0pp | 82.4%-21.4pp | 67.9%-6.9pp |
| Annual return | -14.73% | -5.97%-8.8pp | 572.41%-587.1pp | -7.85%-6.9pp |
| Employer contribution / active EE | $900 | $3,382-73.4% | $4,816-81.3% | $2,597-65.3% |
| Participant deferral / active EE | $6,005 | $6,111-1.7% | $7,448-19.4% | $4,028+49.1% |
| Admin fee / account holder | $8,346 | $6,277+33.0% | $10,009-16.6% | $5,403+54.5% |