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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 | $293,618 | $116,462+152.1% | $300,297-2.2% | $116,462+152.1% |
| Participation rate | 24.0% | 74.7%-50.7pp | 83.3%-59.3pp | 74.7%-50.7pp |
| Annual return | 103.75% | 15.65%+88.1pp | 6.06%+97.7pp | 15.65%+88.1pp |
| Employer contribution / active EE | $2,079 | $3,231-35.7% | $4,605-54.8% | $3,231-35.7% |
| Participant deferral / active EE | $4,004 | $3,836+4.4% | $4,511-11.2% | $3,836+4.4% |
| Admin fee / account holder | $68,320 | $12,754+435.7% | $16,510+313.8% | $12,754+435.7% |