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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 | $418,074 | $58,275+617.4% | $81,844+410.8% | $80,935+416.6% |
| Participation rate | 16.7% | 63.5%-46.8pp | 72.4%-55.7pp | 67.7%-51.0pp |
| Annual return | 16.63% | 41.82%-25.2pp | 778.87%-762.2pp | 35.66%-19.0pp |
| Employer contribution / active EE | $751 | $2,346-68.0% | $2,916-74.2% | $2,757-72.7% |
| Participant deferral / active EE | $3,079 | $3,285-6.3% | $4,323-28.8% | $4,299-28.4% |
| Admin fee / account holder | $342,441 | $4,749+7111.3% | $7,355+4555.6% | $6,924+4845.4% |