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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 | $404,725 | $49,976+709.8% | $66,674+507.0% | $82,637+389.8% |
| Participation rate | 18.5% | 63.1%-44.6pp | 73.7%-55.2pp | 68.1%-49.5pp |
| Annual return | 14.35% | 39.09%-24.7pp | 321.24%-306.9pp | 53.51%-39.2pp |
| Employer contribution / active EE | $892 | $1,988-55.1% | $2,620-65.9% | $2,552-65.0% |
| Participant deferral / active EE | $3,518 | $2,847+23.6% | $4,084-13.9% | $4,126-14.7% |
| Admin fee / account holder | $13,517 | $4,594+194.3% | $5,098+165.1% | $7,339+84.2% |