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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 | $757,063 | $82,674+815.7% | $125,381+503.8% | $68,486+1005.4% |
| Participation rate | 7.5% | 75.1%-67.5pp | 82.4%-74.8pp | 67.9%-60.3pp |
| Annual return | -15.46% | -5.97%-9.5pp | 572.31%-587.8pp | -7.85%-7.6pp |
| Employer contribution / active EE | $1,185 | $3,382-65.0% | $4,815-75.4% | $2,597-54.4% |
| Participant deferral / active EE | $3,072 | $6,111-49.7% | $7,448-58.8% | $4,028-23.7% |
| Admin fee / account holder | $54,610 | $6,277+770.0% | $10,007+445.7% | $5,404+910.6% |