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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 | $104,650+219.3% | $83,854+298.5% | $155,188+115.4% |
| Participation rate | 4.5% | 65.1%-60.5pp | 59.1%-54.6pp | 80.8%-76.3pp |
| Annual return | 15.08% | 28.97%-13.9pp | 31.39%-16.3pp | 148.84%-133.8pp |
| Employer contribution / active EE | $244 | $1,196-79.6% | $1,017-76.0% | $4,248-94.2% |
| Participant deferral / active EE | $1,409 | $2,367-40.5% | $2,035-30.8% | $6,531-78.4% |
| Admin fee / account holder | $5,650 | $3,518+60.6% | $3,197+76.7% | $14,480-61.0% |