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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 | $314,984 | $138,070+128.1% | $123,549+154.9% | $135,377+132.7% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -4.41% | 153.69%-158.1pp | 119.20%-123.6pp | 519.75%-524.2pp |
| Employer contribution / active EE | $3,202 | $5,152-37.8% | $4,628-30.8% | $4,779-33.0% |
| Participant deferral / active EE | $6,797 | $6,7990% | $6,426+5.8% | $5,609+21.2% |
| Admin fee / account holder | $1,140 | $10,916-89.6% | $9,284-87.7% | $10,828-89.5% |