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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 | $274,529 | $168,635+62.8% | $147,617+86.0% | $125,389+118.9% |
| Participation rate | 65.0% | 88.8%-23.8pp | 84.6%-19.6pp | 83.2%-18.2pp |
| Annual return | -2.08% | 77.65%-79.7pp | 61.98%-64.1pp | 282.24%-284.3pp |
| Employer contribution / active EE | $13,815 | $6,252+121.0% | $5,564+148.3% | $4,866+183.9% |
| Participant deferral / active EE | $4,374 | $5,507-20.6% | $4,895-10.7% | $5,352-18.3% |
| Admin fee / account holder | $5,426 | $13,580-60.0% | $11,612-53.3% | $9,541-43.1% |