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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 | $329,474 | $29,733+1008.1% | $56,025+488.1% | $80,959+307.0% |
| Participation rate | 8.9% | 41.7%-32.8pp | 52.5%-43.6pp | 67.7%-58.7pp |
| Annual return | 14.28% | 35.28%-21.0pp | 1712.69%-1698.4pp | 35.67%-21.4pp |
| Employer contribution / active EE | $307 | $672-54.2% | $1,042-70.5% | $2,757-88.8% |
| Participant deferral / active EE | $1,443 | $1,229+17.4% | $1,955-26.2% | $4,300-66.4% |
| Admin fee / account holder | $1,930 | $2,434-20.7% | $2,828-31.8% | $6,925-72.1% |