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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 | $437,867 | $106,247+312.1% | $96,515+353.7% | $139,466+214.0% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 24.77% | 38.47%-13.7pp | 35.73%-11.0pp | 373.66%-348.9pp |
| Employer contribution / active EE | $2,287 | $4,106-44.3% | $3,740-38.8% | $4,754-51.9% |
| Participant deferral / active EE | $7,111 | $5,456+30.3% | $4,880+45.7% | $6,712+5.9% |
| Admin fee / account holder | $1,591 | $7,885-79.8% | $6,735-76.4% | $11,409-86.1% |