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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 | $299,659 | $133,998+123.6% | $112,263+166.9% | $134,545+122.7% |
| Participation rate | 44.4% | 78.6%-34.1pp | 75.1%-30.6pp | 81.2%-36.8pp |
| Annual return | -3.30% | 47.17%-50.5pp | 27.49%-30.8pp | 418.37%-421.7pp |
| Employer contribution / active EE | $1,544 | $4,040-61.8% | $3,636-57.5% | $4,742-67.4% |
| Participant deferral / active EE | $4,174 | $5,292-21.1% | $4,729-11.7% | $6,401-34.8% |
| Admin fee / account holder | $420 | $7,493-94.4% | $6,410-93.4% | $11,431-96.3% |