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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 | $278,857 | $104,924+165.8% | $84,623+229.5% | $152,885+82.4% |
| Participation rate | 42.9% | 74.8%-32.0pp | 68.2%-25.4pp | 82.5%-39.6pp |
| Annual return | 17.62% | 373.82%-356.2pp | 258.77%-241.2pp | 345.39%-327.8pp |
| Employer contribution / active EE | $1,702 | $3,302-48.5% | $2,652-35.9% | $4,763-64.3% |
| Participant deferral / active EE | $5,333 | $4,689+13.7% | $3,899+36.8% | $5,851-8.9% |
| Admin fee / account holder | $121,676 | $6,242+1849.4% | $4,913+2376.6% | $11,598+949.1% |