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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 | $588,531 | $167,353+251.7% | $143,797+309.3% | $134,545+337.4% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -12.20% | 0.48%-12.7pp | -0.04%-12.2pp | 418.37%-430.6pp |
| Employer contribution / active EE | $3,444 | $5,620-38.7% | $4,952-30.5% | $4,742-27.4% |
| Participant deferral / active EE | $14,900 | $6,447+131.1% | $5,638+164.3% | $6,401+132.8% |
| Admin fee / account holder | $2,031 | $18,096-88.8% | $14,679-86.2% | $11,431-82.2% |