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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 | $132,820+121.1% | $441,613-33.5% | $132,820+121.1% |
| Participation rate | 24.0% | 74.3%-50.3pp | 84.6%-60.6pp | 74.3%-50.3pp |
| Annual return | 103.75% | 14.82%+88.9pp | 2.50%+101.3pp | 14.82%+88.9pp |
| Employer contribution / active EE | $2,079 | $4,144-49.8% | $5,532-62.4% | $4,144-49.8% |
| Participant deferral / active EE | $4,004 | $3,980+0.6% | $5,143-22.1% | $3,980+0.6% |
| Admin fee / account holder | $68,320 | $11,722+482.9% | $13,817+394.5% | $11,722+482.9% |