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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 | $265,632 | $67,823+291.7% | $52,425+406.7% | $137,256+93.5% |
| Participation rate | 17.4% | 63.9%-46.5pp | 55.6%-38.2pp | 80.0%-62.6pp |
| Annual return | 15.35% | 219.11%-203.8pp | 302.12%-286.8pp | 220.34%-205.0pp |
| Employer contribution / active EE | $717 | $1,163-38.4% | $914-21.6% | $4,156-82.8% |
| Participant deferral / active EE | $4,562 | $2,288+99.4% | $1,790+154.8% | $6,407-28.8% |
| Admin fee / account holder | $5,889 | $2,844+107.1% | $2,495+136.0% | $12,270-52.0% |