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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 | $344,008 | $29,736+1056.9% | $56,033+513.9% | $80,935+325.0% |
| Participation rate | 9.7% | 41.7%-32.0pp | 52.5%-42.8pp | 67.7%-58.0pp |
| Annual return | 12.96% | 35.28%-22.3pp | 1711.38%-1698.4pp | 35.66%-22.7pp |
| Employer contribution / active EE | $376 | $671-44.1% | $1,041-63.9% | $2,757-86.4% |
| Participant deferral / active EE | $2,052 | $1,228+67.0% | $1,954+5.0% | $4,299-52.3% |
| Admin fee / account holder | $3,896 | $2,434+60.1% | $2,827+37.8% | $6,924-43.7% |