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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 | $285,997 | $102,422+179.2% | $147,117+94.4% | $80,959+253.3% |
| Participation rate | 52.9% | 75.9%-22.9pp | 82.2%-29.2pp | 67.7%-14.7pp |
| Annual return | 13.28% | 135.16%-121.9pp | 420.54%-407.3pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,792 | $3,717-51.8% | $4,932-63.7% | $2,757-35.0% |
| Participant deferral / active EE | $5,815 | $6,652-12.6% | $8,065-27.9% | $4,300+35.2% |
| Admin fee / account holder | $13,601 | $7,953+71.0% | $12,993+4.7% | $6,925+96.4% |