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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 | $433,182 | $167,533+158.6% | $151,645+185.7% | $134,545+222.0% |
| Participation rate | 69.2% | 88.4%-19.1pp | 87.5%-18.3pp | 81.2%-12.0pp |
| Annual return | -11.67% | 7.81%-19.5pp | 3.34%-15.0pp | 418.37%-430.0pp |
| Employer contribution / active EE | $6,096 | $6,828-10.7% | $6,165-1.1% | $4,742+28.6% |
| Participant deferral / active EE | $8,861 | $8,985-1.4% | $8,363+6.0% | $6,401+38.4% |
| Admin fee / account holder | $13,886 | $13,781+0.8% | $11,614+19.6% | $11,431+21.5% |