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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 | $339,542 | $167,533+102.7% | $151,645+123.9% | $134,545+152.4% |
| Participation rate | 66.7% | 88.4%-21.7pp | 87.5%-20.8pp | 81.2%-14.6pp |
| Annual return | -16.39% | 7.81%-24.2pp | 3.34%-19.7pp | 418.37%-434.8pp |
| Employer contribution / active EE | $24,050 | $6,828+252.2% | $6,165+290.1% | $4,742+407.2% |
| Participant deferral / active EE | $6,333 | $8,985-29.5% | $8,363-24.3% | $6,401-1.1% |
| Admin fee / account holder | $18,540 | $13,781+34.5% | $11,614+59.6% | $11,431+62.2% |