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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 | $290,587 | $73,863+293.4% | $143,797+102.1% | $68,490+324.3% |
| Participation rate | 54.3% | 66.7%-12.3pp | 80.3%-26.0pp | 67.9%-13.5pp |
| Annual return | -15.49% | 0.91%-16.4pp | -0.04%-15.5pp | -7.85%-7.6pp |
| Employer contribution / active EE | $5,394 | $3,185+69.4% | $4,952+8.9% | $2,597+107.7% |
| Participant deferral / active EE | $4,569 | $3,385+35.0% | $5,638-19.0% | $4,028+13.4% |
| Admin fee / account holder | $15,998 | $5,756+177.9% | $14,679+9.0% | $5,403+196.1% |