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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 | $647,154 | $83,337+676.6% | $67,834+854.0% | $273,972+136.2% |
| Participation rate | 66.7% | 76.4%-9.8pp | 68.8%-2.1pp | 83.0%-16.3pp |
| Annual return | 8.85% | 259.45%-250.6pp | 138.47%-129.6pp | 41.46%-32.6pp |
| Employer contribution / active EE | $1,067 | $3,287-67.6% | $2,403-55.6% | $4,869-78.1% |
| Participant deferral / active EE | $12,000 | $4,088+193.5% | $3,160+279.8% | $5,287+127.0% |
| Admin fee / account holder | $3,316 | $6,752-50.9% | $4,622-28.3% | $10,133-67.3% |