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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 | $302,391 | $167,353+80.7% | $143,797+110.3% | $134,545+124.8% |
| Participation rate | 57.1% | 84.8%-27.7pp | 80.3%-23.2pp | 81.2%-24.1pp |
| Annual return | -11.63% | 0.48%-12.1pp | -0.04%-11.6pp | 418.37%-430.0pp |
| Employer contribution / active EE | $6,164 | $5,620+9.7% | $4,952+24.5% | $4,742+30.0% |
| Participant deferral / active EE | $4,481 | $6,447-30.5% | $5,638-20.5% | $6,401-30.0% |
| Admin fee / account holder | $10,368 | $18,096-42.7% | $14,679-29.4% | $11,431-9.3% |