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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 | $335,710 | $48,053+598.6% | $84,637+296.6% | $72,976+360.0% |
| Participation rate | 26.9% | 57.6%-30.7pp | 68.2%-41.3pp | 69.5%-42.6pp |
| Annual return | 25.45% | 37.39%-11.9pp | 258.82%-233.4pp | 81.02%-55.6pp |
| Employer contribution / active EE | $981 | $1,602-38.8% | $2,653-63.0% | $2,440-59.8% |
| Participant deferral / active EE | $5,586 | $2,681+108.4% | $3,900+43.2% | $3,608+54.8% |
| Admin fee / account holder | $2,086 | $3,395-38.6% | $4,914-57.6% | $5,124-59.3% |