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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 | $328,991 | $91,037+261.4% | $71,671+359.0% | $147,586+122.9% |
| Participation rate | 56.3% | 76.1%-19.9pp | 68.7%-12.5pp | 82.8%-26.6pp |
| Annual return | 20.08% | 20.48%-0.4pp | 20.65%-0.6pp | 578.59%-558.5pp |
| Employer contribution / active EE | $1,137 | $3,327-65.8% | $2,460-53.8% | $4,876-76.7% |
| Participant deferral / active EE | $8,523 | $4,498+89.5% | $3,438+147.9% | $5,439+56.7% |
| Admin fee / account holder | $154,509 | $8,613+1694.0% | $5,558+2679.7% | $10,886+1319.4% |