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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 | $257,058 | $102,696+150.3% | $86,235+198.1% | $139,487+84.3% |
| Participation rate | 45.5% | 74.5%-29.0pp | 69.0%-23.5pp | 80.3%-34.9pp |
| Annual return | 12.76% | 1925.91%-1913.1pp | 1170.03%-1157.3pp | 373.84%-361.1pp |
| Employer contribution / active EE | $1,831 | $3,034-39.7% | $2,381-23.1% | $4,755-61.5% |
| Participant deferral / active EE | $2,515 | $4,679-46.2% | $3,987-36.9% | $6,713-62.5% |
| Admin fee / account holder | $1,029 | $8,667-88.1% | $6,856-85.0% | $11,407-91.0% |