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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 | $307,091 | $138,076+122.4% | $123,553+148.6% | $135,380+126.8% |
| Participation rate | 68.2% | 84.7%-16.6pp | 82.3%-14.1pp | 82.6%-14.5pp |
| Annual return | -4.30% | 153.70%-158.0pp | 119.21%-123.5pp | 519.81%-524.1pp |
| Employer contribution / active EE | $6,741 | $5,152+30.8% | $4,628+45.7% | $4,779+41.1% |
| Participant deferral / active EE | $16,341 | $6,800+140.3% | $6,426+154.3% | $5,609+191.3% |
| Admin fee / account holder | $36,112 | $10,917+230.8% | $9,284+289.0% | $10,828+233.5% |