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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 | $260,697 | $67,823+284.4% | $52,425+397.3% | $137,256+89.9% |
| Participation rate | 14.3% | 63.9%-49.6pp | 55.6%-41.3pp | 80.0%-65.7pp |
| Annual return | 12.87% | 219.11%-206.2pp | 302.12%-289.2pp | 220.34%-207.5pp |
| Employer contribution / active EE | $517 | $1,163-55.5% | $914-43.4% | $4,156-87.6% |
| Participant deferral / active EE | $2,138 | $2,288-6.6% | $1,790+19.4% | $6,407-66.6% |
| Admin fee / account holder | $3,689 | $2,844+29.7% | $2,495+47.9% | $12,270-69.9% |