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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 | $398,915 | $73,787+440.6% | $98,716+304.1% | $82,448+383.8% |
| Participation rate | 10.2% | 61.4%-51.2pp | 69.3%-59.1pp | 68.1%-57.9pp |
| Annual return | 17.38% | 18.57%-1.2pp | 31.81%-14.4pp | 41.64%-24.3pp |
| Employer contribution / active EE | $780 | $1,511-48.4% | $2,279-65.8% | $2,551-69.4% |
| Participant deferral / active EE | $2,377 | $3,081-22.9% | $4,048-41.3% | $4,139-42.6% |
| Admin fee / account holder | $74,444 | $6,500+1045.3% | $8,703+755.4% | $7,234+929.0% |