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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 | $57,073+365.5% | $85,126+212.1% | $80,925+228.3% |
| Participation rate | 30.4% | 56.4%-26.0pp | 67.5%-37.1pp | 67.7%-37.2pp |
| Annual return | 15.19% | 21.69%-6.5pp | 66.63%-51.4pp | 35.65%-20.5pp |
| Employer contribution / active EE | $1,408 | $1,801-21.8% | $2,731-48.5% | $2,756-48.9% |
| Participant deferral / active EE | $2,209 | $3,113-29.0% | $4,523-51.2% | $4,299-48.6% |
| Admin fee / account holder | $99,673 | $4,988+1898.4% | $6,160+1518.0% | $6,940+1336.2% |