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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 | $265,008 | $73,848+258.9% | $143,799+84.3% | $68,486+287.0% |
| Participation rate | 64.2% | 66.7%-2.5pp | 80.3%-16.2pp | 67.9%-3.7pp |
| Annual return | -16.91% | 0.91%-17.8pp | -0.04%-16.9pp | -7.85%-9.1pp |
| Employer contribution / active EE | $2,364 | $3,184-25.8% | $4,952-52.3% | $2,597-9.0% |
| Participant deferral / active EE | $5,132 | $3,385+51.6% | $5,638-9.0% | $4,028+27.4% |
| Admin fee / account holder | $3,791 | $5,755-34.1% | $14,677-74.2% | $5,404-29.8% |