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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 | $293,404 | $29,733+886.8% | $56,025+423.7% | $80,959+262.4% |
| Participation rate | 17.2% | 41.7%-24.5pp | 52.5%-35.3pp | 67.7%-50.4pp |
| Annual return | 10.63% | 35.28%-24.7pp | 1712.69%-1702.1pp | 35.67%-25.0pp |
| Employer contribution / active EE | $670 | $672-0.3% | $1,042-35.7% | $2,757-75.7% |
| Participant deferral / active EE | $3,307 | $1,229+169.0% | $1,955+69.2% | $4,300-23.1% |
| Admin fee / account holder | $2,823 | $2,434+16.0% | $2,828-0.2% | $6,925-59.2% |