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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 | $432,075 | $78,707+449.0% | $117,861+266.6% | $70,126+516.1% |
| Participation rate | 18.2% | 73.2%-55.0pp | 79.7%-61.5pp | 69.5%-51.4pp |
| Annual return | 17.25% | 23.30%-6.1pp | 335.11%-317.9pp | 73.15%-55.9pp |
| Employer contribution / active EE | $2,171 | $2,223-2.4% | $3,786-42.7% | $2,343-7.3% |
| Participant deferral / active EE | $4,103 | $3,297+24.4% | $4,482-8.5% | $3,332+23.1% |
| Admin fee / account holder | $24,209 | $5,066+377.9% | $8,021+201.8% | $4,645+421.1% |