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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 | $1,246,618 | $85,024+1366.2% | $70,544+1667.1% | $139,466+793.8% |
| Participation rate | 16.7% | 73.9%-57.2pp | 68.4%-51.7pp | 80.3%-63.7pp |
| Annual return | 32.31% | 30.39%+1.9pp | 32.79%-0.5pp | 373.66%-341.4pp |
| Employer contribution / active EE | $1,278 | $3,912-67.3% | $2,976-57.1% | $4,754-73.1% |
| Participant deferral / active EE | $3,194 | $5,891-45.8% | $4,568-30.1% | $6,712-52.4% |
| Admin fee / account holder | $239,987 | $8,928+2587.9% | $6,427+3634.1% | $11,409+2003.5% |