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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 | $270,078 | $211,946+27.4% | $169,452+59.4% | $135,380+99.5% |
| Participation rate | 37.5% | 82.6%-45.1pp | 77.8%-40.3pp | 82.6%-45.1pp |
| Annual return | -8.68% | 3.26%-11.9pp | 1.83%-10.5pp | 519.81%-528.5pp |
| Employer contribution / active EE | $660 | $5,117-87.1% | $4,157-84.1% | $4,779-86.2% |
| Participant deferral / active EE | $3,063 | $6,075-49.6% | $5,277-42.0% | $5,609-45.4% |
| Admin fee / account holder | $729 | $11,472-93.6% | $9,110-92.0% | $10,828-93.3% |