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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 | $323,440 | $133,981+141.4% | $112,249+188.1% | $134,532+140.4% |
| Participation rate | 27.3% | 78.6%-51.3pp | 75.1%-47.8pp | 81.2%-54.0pp |
| Annual return | -13.30% | 47.16%-60.5pp | 27.48%-40.8pp | 418.27%-431.6pp |
| Employer contribution / active EE | $815 | $4,040-79.8% | $3,636-77.6% | $4,741-82.8% |
| Participant deferral / active EE | $4,909 | $5,292-7.2% | $4,729+3.8% | $6,401-23.3% |
| Admin fee / account holder | $2,345 | $7,492-68.7% | $6,412-63.4% | $11,429-79.5% |