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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 | $394,637 | $99,875+295.1% | $146,866+168.7% | $86,983+353.7% |
| Participation rate | 44.4% | 75.8%-31.4pp | 82.5%-38.1pp | 69.5%-25.1pp |
| Annual return | 16.14% | 28.10%-12.0pp | 102.85%-86.7pp | 25.83%-9.7pp |
| Employer contribution / active EE | $1,611 | $3,224-50.0% | $4,425-63.6% | $2,584-37.7% |
| Participant deferral / active EE | $2,677 | $6,322-57.7% | $7,759-65.5% | $4,194-36.2% |
| Admin fee / account holder | $29,926 | $7,838+281.8% | $13,620+119.7% | $7,856+280.9% |