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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 | $806,138 | $167,353+381.7% | $143,797+460.6% | $134,545+499.2% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.7pp | 81.2%-14.6pp |
| Annual return | -18.06% | 0.48%-18.5pp | -0.04%-18.0pp | 418.37%-436.4pp |
| Employer contribution / active EE | $4,089 | $5,620-27.2% | $4,952-17.4% | $4,742-13.8% |
| Participant deferral / active EE | $9,321 | $6,447+44.6% | $5,638+65.3% | $6,401+45.6% |
| Admin fee / account holder | $101,869 | $18,096+462.9% | $14,679+594.0% | $11,431+791.2% |