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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 | $340,933 | $118,708+187.2% | $98,920+244.7% | $158,966+114.5% |
| Participation rate | 40.0% | 77.8%-37.8pp | 76.0%-36.0pp | 82.0%-42.0pp |
| Annual return | 28.95% | 372.49%-343.5pp | 196.47%-167.5pp | 302.95%-274.0pp |
| Employer contribution / active EE | $588 | $3,334-82.4% | $2,689-78.1% | $4,762-87.7% |
| Participant deferral / active EE | $3,012 | $5,089-40.8% | $4,245-29.1% | $5,983-49.7% |
| Admin fee / account holder | $8,130 | $10,134-19.8% | $6,643+22.4% | $11,250-27.7% |