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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 | $605,918 | $167,353+262.1% | $143,797+321.4% | $134,545+350.3% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.7pp | 81.2%-14.6pp |
| Annual return | -11.68% | 0.48%-12.2pp | -0.04%-11.6pp | 418.37%-430.1pp |
| Employer contribution / active EE | $2,259 | $5,620-59.8% | $4,952-54.4% | $4,742-52.4% |
| Participant deferral / active EE | $9,000 | $6,447+39.6% | $5,638+59.6% | $6,401+40.6% |
| Admin fee / account holder | $5,049 | $18,096-72.1% | $14,679-65.6% | $11,431-55.8% |