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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 | $1,232,749 | $167,533+635.8% | $151,645+712.9% | $134,545+816.2% |
| Participation rate | 50.0% | 88.4%-38.4pp | 87.5%-37.5pp | 81.2%-31.2pp |
| Annual return | -19.95% | 7.81%-27.8pp | 3.34%-23.3pp | 418.37%-438.3pp |
| Employer contribution / active EE | $29,500 | $6,828+332.0% | $6,165+378.5% | $4,742+522.2% |
| Participant deferral / active EE | $27,000 | $8,985+200.5% | $8,363+222.9% | $6,401+321.8% |
| Admin fee / account holder | $2,839 | $13,781-79.4% | $11,614-75.6% | $11,431-75.2% |