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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 | $312,911 | $167,533+86.8% | $151,645+106.3% | $134,545+132.6% |
| Participation rate | 50.0% | 88.4%-38.4pp | 87.5%-37.5pp | 81.2%-31.2pp |
| Annual return | -7.34% | 7.81%-15.1pp | 3.34%-10.7pp | 418.37%-425.7pp |
| Employer contribution / active EE | $0 | $6,828-100.0% | $6,165-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $4,875 | $8,985-45.7% | $8,363-41.7% | $6,401-23.8% |
| Admin fee / account holder | $23,541 | $13,781+70.8% | $11,614+102.7% | $11,431+105.9% |