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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 | $375,691 | $71,197+427.7% | $93,669+301.1% | $80,925+364.2% |
| Participation rate | 10.4% | 60.4%-50.0pp | 68.7%-58.3pp | 67.7%-57.2pp |
| Annual return | 11.40% | 11.27%+0.1pp | 133.59%-122.2pp | 35.65%-24.2pp |
| Employer contribution / active EE | $746 | $1,565-52.3% | $2,424-69.2% | $2,756-72.9% |
| Participant deferral / active EE | $2,259 | $4,036-44.0% | $4,416-48.8% | $4,299-47.5% |
| Admin fee / account holder | $967 | $6,959-86.1% | $8,291-88.3% | $6,940-86.1% |