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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 | $483,374 | $110,337+338.1% | $102,383+372.1% | $145,877+231.4% |
| Participation rate | 14.3% | 77.9%-63.7pp | 74.5%-60.2pp | 80.3%-66.0pp |
| Annual return | 18.46% | 24.83%-6.4pp | 24.94%-6.5pp | 551.28%-532.8pp |
| Employer contribution / active EE | $926 | $4,216-78.0% | $3,870-76.1% | $4,663-80.1% |
| Participant deferral / active EE | $4,132 | $5,621-26.5% | $5,060-18.3% | $6,691-38.2% |
| Admin fee / account holder | $3,523 | $9,750-63.9% | $8,391-58.0% | $13,402-73.7% |