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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 | $305,106 | $129,960+134.8% | $104,299+192.5% | $134,545+126.8% |
| Participation rate | 68.4% | 79.5%-11.1pp | 73.3%-4.9pp | 81.2%-12.8pp |
| Annual return | -14.10% | 42.06%-56.2pp | 24.62%-38.7pp | 418.37%-432.5pp |
| Employer contribution / active EE | $2,824 | $4,186-32.5% | $3,373-16.3% | $4,742-40.4% |
| Participant deferral / active EE | $4,807 | $5,589-14.0% | $4,626+3.9% | $6,401-24.9% |
| Admin fee / account holder | $5,151 | $9,324-44.8% | $7,339-29.8% | $11,431-54.9% |