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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 | $94,439+354.4% | $73,658+482.6% | $154,746+177.3% |
| Participation rate | 16.7% | 64.7%-48.0pp | 57.0%-40.4pp | 80.7%-64.0pp |
| Annual return | 16.74% | 28.25%-11.5pp | 29.72%-13.0pp | 172.34%-155.6pp |
| Employer contribution / active EE | $1,142 | $1,257-9.1% | $1,032+10.6% | $4,379-73.9% |
| Participant deferral / active EE | $2,030 | $2,527-19.7% | $2,062-1.5% | $6,730-69.8% |
| Admin fee / account holder | $13,481 | $3,843+250.8% | $3,357+301.6% | $14,365-6.2% |