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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 | $251,563 | $133,981+87.8% | $112,249+124.1% | $134,532+87.0% |
| Participation rate | 27.8% | 78.6%-50.8pp | 75.1%-47.3pp | 81.2%-53.5pp |
| Annual return | -19.37% | 47.16%-66.5pp | 27.48%-46.9pp | 418.27%-437.6pp |
| Employer contribution / active EE | $3,358 | $4,040-16.9% | $3,636-7.6% | $4,741-29.2% |
| Participant deferral / active EE | $7,635 | $5,292+44.3% | $4,729+61.4% | $6,401+19.3% |
| Admin fee / account holder | $4,448 | $7,492-40.6% | $6,412-30.6% | $11,429-61.1% |