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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 | $29,670+1010.4% | $56,054+487.8% | $80,911+307.2% |
| Participation rate | 8.9% | 41.7%-32.7pp | 52.5%-43.6pp | 67.6%-58.7pp |
| Annual return | 14.28% | 35.24%-21.0pp | 1705.95%-1691.7pp | 35.63%-21.3pp |
| Employer contribution / active EE | $307 | $670-54.1% | $1,039-70.4% | $2,756-88.8% |
| Participant deferral / active EE | $1,443 | $1,227+17.6% | $1,952-26.1% | $4,297-66.4% |
| Admin fee / account holder | $1,930 | $2,431-20.6% | $2,822-31.6% | $6,935-72.2% |