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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 | $371,851 | $65,072+471.4% | $66,439+459.7% | $65,306+469.4% |
| Participation rate | 39.5% | 69.1%-29.6pp | 74.5%-35.0pp | 57.7%-18.2pp |
| Annual return | 12.22% | 21.50%-9.3pp | 757.66%-745.4pp | 21.94%-9.7pp |
| Employer contribution / active EE | $1,681 | $2,475-32.1% | $2,637-36.3% | $1,967-14.6% |
| Participant deferral / active EE | $4,147 | $3,234+28.2% | $3,876+7.0% | $2,959+40.1% |
| Admin fee / account holder | $2,727 | $1,323+106.1% | $6,173-55.8% | $3,480-21.6% |