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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 | $351,605 | $142,409+146.9% | $119,634+193.9% | $134,545+161.3% |
| Participation rate | 66.7% | 82.8%-16.2pp | 79.3%-12.6pp | 81.2%-14.6pp |
| Annual return | -5.98% | -12.46%+6.5pp | -14.98%+9.0pp | 418.37%-424.3pp |
| Employer contribution / active EE | $2,229 | $5,224-57.3% | $4,232-47.3% | $4,742-53.0% |
| Participant deferral / active EE | $8,215 | $6,468+27.0% | $5,601+46.7% | $6,401+28.3% |
| Admin fee / account holder | $6,284 | $13,594-53.8% | $10,329-39.2% | $11,431-45.0% |