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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 | $279,131 | $95,188+193.2% | $76,518+264.8% | $135,379+106.2% |
| Participation rate | 46.7% | 74.4%-27.7pp | 68.0%-21.3pp | 82.6%-36.0pp |
| Annual return | -7.33% | 4.85%-12.2pp | -0.27%-7.1pp | 519.79%-527.1pp |
| Employer contribution / active EE | $2,363 | $3,303-28.4% | $2,647-10.7% | $4,779-50.5% |
| Participant deferral / active EE | $7,572 | $4,640+63.2% | $3,836+97.4% | $5,609+35.0% |
| Admin fee / account holder | $892 | $6,249-85.7% | $4,849-81.6% | $10,828-91.8% |