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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 | $421,351 | $110,410+281.6% | $102,437+311.3% | $145,897+188.8% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.7pp | 80.3%-37.4pp |
| Annual return | 12.12% | 24.85%-12.7pp | 24.95%-12.8pp | 552.29%-540.2pp |
| Employer contribution / active EE | $1,463 | $4,217-65.3% | $3,871-62.2% | $4,663-68.6% |
| Participant deferral / active EE | $8,714 | $5,622+55.0% | $5,060+72.2% | $6,689+30.3% |
| Admin fee / account holder | $2,962 | $9,745-69.6% | $8,388-64.7% | $13,390-77.9% |