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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 | $311,346 | $65,555+374.9% | $86,216+261.1% | $75,173+314.2% |
| Participation rate | 10.9% | 60.5%-49.6pp | 69.0%-58.1pp | 67.2%-56.3pp |
| Annual return | 16.49% | 46.07%-29.6pp | 1169.42%-1152.9pp | 160.72%-144.2pp |
| Employer contribution / active EE | $672 | $1,553-56.7% | $2,382-71.8% | $2,671-74.8% |
| Participant deferral / active EE | $2,110 | $3,023-30.2% | $3,986-47.1% | $4,126-48.9% |
| Admin fee / account holder | $670 | $5,469-87.7% | $6,853-90.2% | $5,651-88.1% |