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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 | $76,834+419.2% | $108,359+268.1% | $87,485+356.0% |
| Participation rate | 10.2% | 61.7%-51.5pp | 70.1%-59.9pp | 68.9%-58.7pp |
| Annual return | 17.38% | 19.09%-1.7pp | 36.89%-19.5pp | 26.06%-8.7pp |
| Employer contribution / active EE | $780 | $1,556-49.9% | $2,399-67.5% | $2,596-70.0% |
| Participant deferral / active EE | $2,377 | $3,100-23.3% | $4,137-42.5% | $4,274-44.4% |
| Admin fee / account holder | $74,444 | $6,537+1038.8% | $9,741+664.3% | $7,775+857.5% |