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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 | $429,116 | $67,823+532.7% | $52,425+718.5% | $137,256+212.6% |
| Participation rate | 16.7% | 63.9%-47.2pp | 55.6%-39.0pp | 80.0%-63.3pp |
| Annual return | 16.74% | 219.11%-202.4pp | 302.12%-285.4pp | 220.34%-203.6pp |
| Employer contribution / active EE | $1,142 | $1,163-1.8% | $914+24.9% | $4,156-72.5% |
| Participant deferral / active EE | $2,030 | $2,288-11.3% | $1,790+13.4% | $6,407-68.3% |
| Admin fee / account holder | $13,481 | $2,844+374.0% | $2,495+440.3% | $12,270+9.9% |