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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 | $422,383 | $133,998+215.2% | $112,263+276.2% | $134,545+213.9% |
| Participation rate | 62.5% | 78.6%-16.1pp | 75.1%-12.6pp | 81.2%-18.7pp |
| Annual return | -12.88% | 47.17%-60.1pp | 27.49%-40.4pp | 418.37%-431.2pp |
| Employer contribution / active EE | $8,424 | $4,040+108.5% | $3,636+131.7% | $4,742+77.7% |
| Participant deferral / active EE | $11,903 | $5,292+124.9% | $4,729+151.7% | $6,401+85.9% |
| Admin fee / account holder | $2,624 | $7,493-65.0% | $6,410-59.1% | $11,431-77.0% |