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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 | $292,987 | $68,852+325.5% | $120,524+143.1% | $80,925+262.0% |
| Participation rate | 43.6% | 61.6%-18.0pp | 71.9%-28.3pp | 67.7%-24.1pp |
| Annual return | 13.51% | 23.67%-10.2pp | 107.36%-93.9pp | 35.65%-22.1pp |
| Employer contribution / active EE | $1,927 | $2,063-6.6% | $3,469-44.5% | $2,756-30.1% |
| Participant deferral / active EE | $5,861 | $3,187+83.9% | $4,994+17.4% | $4,299+36.3% |
| Admin fee / account holder | $32,909 | $5,781+469.3% | $9,440+248.6% | $6,940+374.2% |