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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 | $363,222 | $167,362+117.0% | $143,799+152.6% | $134,532+170.0% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -17.26% | 0.47%-17.7pp | -0.04%-17.2pp | 418.27%-435.5pp |
| Employer contribution / active EE | $8,670 | $5,620+54.3% | $4,952+75.1% | $4,741+82.9% |
| Participant deferral / active EE | $6,919 | $6,447+7.3% | $5,638+22.7% | $6,401+8.1% |
| Admin fee / account holder | $4,165 | $18,094-77.0% | $14,677-71.6% | $11,429-63.6% |