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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 | $423,211 | $129,960+225.6% | $104,299+305.8% | $134,545+214.6% |
| Participation rate | 66.7% | 79.5%-12.9pp | 73.3%-6.6pp | 81.2%-14.6pp |
| Annual return | -18.13% | 42.06%-60.2pp | 24.62%-42.8pp | 418.37%-436.5pp |
| Employer contribution / active EE | $20,874 | $4,186+398.6% | $3,373+518.8% | $4,742+340.2% |
| Participant deferral / active EE | $3,763 | $5,589-32.7% | $4,626-18.6% | $6,401-41.2% |
| Admin fee / account holder | $6,916 | $9,324-25.8% | $7,339-5.8% | $11,431-39.5% |