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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 | $366,836 | $167,353+119.2% | $143,797+155.1% | $134,545+172.6% |
| Participation rate | 57.1% | 84.8%-27.7pp | 80.3%-23.2pp | 81.2%-24.1pp |
| Annual return | -4.20% | 0.48%-4.7pp | -0.04%-4.2pp | 418.37%-422.6pp |
| Employer contribution / active EE | $7,450 | $5,620+32.5% | $4,952+50.4% | $4,742+57.1% |
| Participant deferral / active EE | $5,938 | $6,447-7.9% | $5,638+5.3% | $6,401-7.2% |
| Admin fee / account holder | $5,082 | $18,096-71.9% | $14,679-65.4% | $11,431-55.5% |