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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 | $970,398 | $167,353+479.9% | $143,797+574.8% | $134,545+621.2% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -19.16% | 0.48%-19.6pp | -0.04%-19.1pp | 418.37%-437.5pp |
| Employer contribution / active EE | $11,060 | $5,620+96.8% | $4,952+123.3% | $4,742+133.2% |
| Participant deferral / active EE | $7,256 | $6,447+12.5% | $5,638+28.7% | $6,401+13.4% |
| Admin fee / account holder | $711 | $18,096-96.1% | $14,679-95.2% | $11,431-93.8% |