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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 | $258,777 | $82,678+213.0% | $125,391+106.4% | $68,490+277.8% |
| Participation rate | 65.0% | 75.1%-10.1pp | 82.4%-17.4pp | 67.9%-2.9pp |
| Annual return | -11.48% | -5.97%-5.5pp | 572.41%-583.9pp | -7.85%-3.6pp |
| Employer contribution / active EE | $9,700 | $3,382+186.8% | $4,816+101.4% | $2,597+273.6% |
| Participant deferral / active EE | $7,412 | $6,111+21.3% | $7,448-0.5% | $4,028+84.0% |
| Admin fee / account holder | $66,479 | $6,277+959.0% | $10,009+564.2% | $5,403+1130.4% |