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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 | $265,669 | $57,140+364.9% | $85,240+211.7% | $80,959+228.2% |
| Participation rate | 30.4% | 56.4%-26.0pp | 67.5%-37.1pp | 67.7%-37.2pp |
| Annual return | 15.19% | 21.71%-6.5pp | 66.75%-51.6pp | 35.67%-20.5pp |
| Employer contribution / active EE | $1,408 | $1,802-21.9% | $2,735-48.5% | $2,757-48.9% |
| Participant deferral / active EE | $2,209 | $3,115-29.1% | $4,527-51.2% | $4,300-48.6% |
| Admin fee / account holder | $99,673 | $4,992+1896.7% | $6,165+1516.8% | $6,925+1339.3% |