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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 | $308,021 | $76,608+302.1% | $56,077+449.3% | $145,877+111.2% |
| Participation rate | 50.0% | 63.2%-13.2pp | 52.5%-2.5pp | 80.3%-30.3pp |
| Annual return | 13.68% | 3009.59%-2995.9pp | 1709.28%-1695.6pp | 551.28%-537.6pp |
| Employer contribution / active EE | $965 | $1,382-30.1% | $1,040-7.2% | $4,663-79.3% |
| Participant deferral / active EE | $4,625 | $2,624+76.2% | $1,954+136.7% | $6,691-30.9% |
| Admin fee / account holder | $3,554 | $3,325+6.9% | $2,825+25.8% | $13,402-73.5% |