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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 | $329,037 | $53,837+511.2% | $75,714+334.6% | $85,847+283.3% |
| Participation rate | 51.9% | 69.1%-17.2pp | 74.8%-23.0pp | 69.3%-17.5pp |
| Annual return | 13.82% | 24.54%-10.7pp | 104.62%-90.8pp | 318.61%-304.8pp |
| Employer contribution / active EE | $1,852 | $2,017-8.2% | $2,744-32.5% | $2,565-27.8% |
| Participant deferral / active EE | $4,634 | $2,895+60.0% | $3,820+21.3% | $3,952+17.3% |
| Admin fee / account holder | $13,174 | $3,339+294.5% | $3,619+264.0% | $6,261+110.4% |