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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 | $272,430 | $133,981+103.3% | $112,249+142.7% | $134,532+102.5% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -16.02% | 47.16%-63.2pp | 27.48%-43.5pp | 418.27%-434.3pp |
| Employer contribution / active EE | $2,365 | $4,040-41.5% | $3,636-35.0% | $4,741-50.1% |
| Participant deferral / active EE | $12,176 | $5,292+130.1% | $4,729+157.5% | $6,401+90.2% |
| Admin fee / account holder | $24,249 | $7,492+223.7% | $6,412+278.2% | $11,429+112.2% |