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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 | $306,518 | $85,171+259.9% | $172,753+77.4% | $72,976+320.0% |
| Participation rate | 63.8% | 70.1%-6.2pp | 82.6%-18.8pp | 69.5%-5.7pp |
| Annual return | 22.90% | 27.32%-4.4pp | 803.00%-780.1pp | 81.02%-58.1pp |
| Employer contribution / active EE | $1,201 | $3,324-63.9% | $5,144-76.6% | $2,440-50.8% |
| Participant deferral / active EE | $3,147 | $3,260-3.5% | $5,198-39.4% | $3,608-12.8% |
| Admin fee / account holder | $6,924 | $5,880+17.8% | $13,956-50.4% | $5,124+35.1% |