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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 | $251,310 | $50,947+393.3% | $74,551+237.1% | $64,173+291.6% |
| Participation rate | 40.5% | 61.1%-20.5pp | 69.1%-28.6pp | 69.6%-29.0pp |
| Annual return | -4.65% | -1.85%-2.8pp | 32.53%-37.2pp | 7.63%-12.3pp |
| Employer contribution / active EE | $4,999 | $1,115+348.2% | $1,961+154.9% | $2,381+110.0% |
| Participant deferral / active EE | $8,882 | $2,302+285.9% | $3,108+185.7% | $3,470+156.0% |
| Admin fee / account holder | $11,005 | $4,221+160.7% | $5,059+117.5% | $4,887+125.2% |