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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 | $397,072 | $176,786+124.6% | $146,643+170.8% | $167,536+137.0% |
| Participation rate | 50.0% | 83.6%-33.6pp | 80.1%-30.1pp | 82.1%-32.1pp |
| Annual return | 14.54% | 24.04%-9.5pp | 22.75%-8.2pp | 478.82%-464.3pp |
| Employer contribution / active EE | $1,777 | $5,161-65.6% | $4,137-57.1% | $4,839-63.3% |
| Participant deferral / active EE | $3,809 | $6,440-40.8% | $5,506-30.8% | $6,342-39.9% |
| Admin fee / account holder | $68,592 | $13,262+417.2% | $10,280+567.2% | $12,315+457.0% |