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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 | $360,826 | $95,895+276.3% | $79,576+353.4% | $134,509+168.3% |
| Participation rate | 35.3% | 75.0%-39.7pp | 69.5%-34.2pp | 81.2%-45.9pp |
| Annual return | -13.89% | -2.72%-11.2pp | 0.15%-14.0pp | 418.13%-432.0pp |
| Employer contribution / active EE | $2,799 | $3,128-10.5% | $2,413+16.0% | $4,741-41.0% |
| Participant deferral / active EE | $7,176 | $4,693+52.9% | $3,985+80.1% | $6,400+12.1% |
| Admin fee / account holder | $752 | $9,129-91.8% | $6,834-89.0% | $11,427-93.4% |