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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 | $462,589 | $167,352+176.4% | $143,788+221.7% | $134,509+243.9% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -18.09% | 0.47%-18.6pp | -0.03%-18.1pp | 418.13%-436.2pp |
| Employer contribution / active EE | $24,715 | $5,620+339.8% | $4,952+399.1% | $4,741+421.3% |
| Participant deferral / active EE | $26,500 | $6,447+311.0% | $5,638+370.0% | $6,400+314.0% |
| Admin fee / account holder | $3,038 | $18,091-83.2% | $14,675-79.3% | $11,427-73.4% |