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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 | $334,198 | $69,118+383.5% | $53,647+523.0% | $138,895+140.6% |
| Participation rate | 4.5% | 64.0%-59.4pp | 56.3%-51.7pp | 79.9%-75.4pp |
| Annual return | 15.08% | 248.26%-233.2pp | 358.33%-343.3pp | 145.39%-130.3pp |
| Employer contribution / active EE | $244 | $1,189-79.5% | $962-74.6% | $4,194-94.2% |
| Participant deferral / active EE | $1,409 | $2,274-38.0% | $1,813-22.3% | $6,396-78.0% |
| Admin fee / account holder | $5,650 | $2,724+107.4% | $2,460+129.7% | $12,562-55.0% |