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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 | $454,535 | $105,960+329.0% | $81,726+456.2% | $158,982+185.9% |
| Participation rate | 61.9% | 75.6%-13.7pp | 72.0%-10.1pp | 82.0%-20.1pp |
| Annual return | 10.67% | 38.19%-27.5pp | 29.49%-18.8pp | 302.99%-292.3pp |
| Employer contribution / active EE | $2,312 | $7,805-70.4% | $4,311-46.4% | $4,763-51.4% |
| Participant deferral / active EE | $4,445 | $13,011-65.8% | $7,108-37.5% | $5,983-25.7% |
| Admin fee / account holder | $48,183 | $8,494+467.2% | $5,160+833.8% | $11,252+328.2% |