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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 | $262,235 | $116,190+125.7% | $93,614+180.1% | $152,885+71.5% |
| Participation rate | 37.5% | 78.0%-40.5pp | 75.8%-38.3pp | 82.5%-45.0pp |
| Annual return | 32.62% | 35.96%-3.3pp | 32.76%-0.1pp | 345.39%-312.8pp |
| Employer contribution / active EE | $604 | $3,219-81.2% | $2,718-77.8% | $4,763-87.3% |
| Participant deferral / active EE | $2,834 | $4,604-38.4% | $4,069-30.3% | $5,851-51.6% |
| Admin fee / account holder | $6,183 | $10,749-42.5% | $7,889-21.6% | $11,598-46.7% |