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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 | $728,501 | $167,353+335.3% | $143,797+406.6% | $134,545+441.5% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -14.78% | 0.48%-15.3pp | -0.04%-14.7pp | 418.37%-433.2pp |
| Employer contribution / active EE | $5,225 | $5,620-7.0% | $4,952+5.5% | $4,742+10.2% |
| Participant deferral / active EE | $12,417 | $6,447+92.6% | $5,638+120.2% | $6,401+94.0% |
| Admin fee / account holder | $3,516 | $18,096-80.6% | $14,679-76.0% | $11,431-69.2% |