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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 | $348,583 | $75,962+358.9% | $154,108+126.2% | $64,173+443.2% |
| Participation rate | 63.5% | 70.4%-7.0pp | 83.0%-19.6pp | 69.6%-6.1pp |
| Annual return | -3.87% | 30.32%-34.2pp | 735.21%-739.1pp | 7.63%-11.5pp |
| Employer contribution / active EE | $5,869 | $3,350+75.2% | $5,298+10.8% | $2,381+146.5% |
| Participant deferral / active EE | $4,077 | $3,175+28.4% | $5,081-19.7% | $3,470+17.5% |
| Admin fee / account holder | $10,777 | $5,589+92.8% | $13,411-19.6% | $4,887+120.5% |