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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 | $289,062 | $102,429+182.2% | $147,096+96.5% | $80,925+257.2% |
| Participation rate | 30.8% | 75.9%-45.1pp | 82.2%-51.4pp | 67.7%-36.9pp |
| Annual return | 13.95% | 135.02%-121.1pp | 419.75%-405.8pp | 35.65%-21.7pp |
| Employer contribution / active EE | $1,310 | $3,716-64.7% | $4,936-73.5% | $2,756-52.5% |
| Participant deferral / active EE | $3,407 | $6,649-48.8% | $8,071-57.8% | $4,299-20.7% |
| Admin fee / account holder | $27,278 | $7,957+242.8% | $13,005+109.7% | $6,940+293.0% |