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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 | $353,641 | $107,809+228.0% | $97,032+264.5% | $155,188+127.9% |
| Participation rate | 13.0% | 75.5%-62.4pp | 71.6%-58.5pp | 80.8%-67.8pp |
| Annual return | 15.79% | 38.06%-22.3pp | 35.38%-19.6pp | 148.84%-133.0pp |
| Employer contribution / active EE | $718 | $2,911-75.3% | $2,629-72.7% | $4,248-83.1% |
| Participant deferral / active EE | $3,032 | $5,129-40.9% | $4,672-35.1% | $6,531-53.6% |
| Admin fee / account holder | $3,120 | $10,717-70.9% | $9,418-66.9% | $14,480-78.5% |