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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 | $257,939 | $106,551+142.1% | $91,225+182.8% | $134,532+91.7% |
| Participation rate | 22.2% | 76.8%-54.6pp | 73.2%-51.0pp | 81.2%-59.0pp |
| Annual return | -18.29% | 160.78%-179.1pp | 114.12%-132.4pp | 418.27%-436.6pp |
| Employer contribution / active EE | $329 | $3,331-90.1% | $2,851-88.5% | $4,741-93.1% |
| Participant deferral / active EE | $3,283 | $4,718-30.4% | $4,233-22.5% | $6,401-48.7% |
| Admin fee / account holder | $3,963 | $6,234-36.4% | $5,422-26.9% | $11,429-65.3% |