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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 | $276,784 | $167,353+65.4% | $143,797+92.5% | $134,545+105.7% |
| Participation rate | 40.0% | 84.8%-44.8pp | 80.3%-40.3pp | 81.2%-41.2pp |
| Annual return | -19.32% | 0.48%-19.8pp | -0.04%-19.3pp | 418.37%-437.7pp |
| Employer contribution / active EE | $4,836 | $5,620-14.0% | $4,952-2.3% | $4,742+2.0% |
| Participant deferral / active EE | $4,661 | $6,447-27.7% | $5,638-17.3% | $6,401-27.2% |
| Admin fee / account holder | $3,666 | $18,096-79.7% | $14,679-75.0% | $11,431-67.9% |