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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 | $424,074 | $167,353+153.4% | $143,797+194.9% | $134,545+215.2% |
| Participation rate | 62.5% | 84.8%-22.3pp | 80.3%-17.8pp | 81.2%-18.7pp |
| Annual return | -9.83% | 0.48%-10.3pp | -0.04%-9.8pp | 418.37%-428.2pp |
| Employer contribution / active EE | $25,383 | $5,620+351.6% | $4,952+412.5% | $4,742+435.3% |
| Participant deferral / active EE | $11,479 | $6,447+78.0% | $5,638+103.6% | $6,401+79.3% |
| Admin fee / account holder | $29,575 | $18,096+63.4% | $14,679+101.5% | $11,431+158.7% |