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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 | $595,799 | $167,533+255.6% | $151,645+292.9% | $134,545+342.8% |
| Participation rate | 66.7% | 88.4%-21.7pp | 87.5%-20.8pp | 81.2%-14.6pp |
| Annual return | -16.87% | 7.81%-24.7pp | 3.34%-20.2pp | 418.37%-435.2pp |
| Employer contribution / active EE | $33,162 | $6,828+385.6% | $6,165+437.9% | $4,742+599.4% |
| Participant deferral / active EE | $25,418 | $8,985+182.9% | $8,363+203.9% | $6,401+297.1% |
| Admin fee / account holder | $5,329 | $13,781-61.3% | $11,614-54.1% | $11,431-53.4% |