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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 | $416,969 | $157,829+164.2% | $136,867+204.7% | $198,609+109.9% |
| Participation rate | 18.2% | 77.2%-59.0pp | 74.5%-56.4pp | 82.4%-64.2pp |
| Annual return | 12.68% | 51.25%-38.6pp | 42.97%-30.3pp | 202.70%-190.0pp |
| Employer contribution / active EE | $1,333 | $3,923-66.0% | $3,547-62.4% | $5,055-73.6% |
| Participant deferral / active EE | $4,955 | $5,463-9.3% | $4,924+0.6% | $6,977-29.0% |
| Admin fee / account holder | $1,235 | $11,107-88.9% | $10,340-88.1% | $19,030-93.5% |