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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 | $364,953 | $106,551+242.5% | $91,225+300.1% | $134,532+171.3% |
| Participation rate | 57.1% | 76.8%-19.7pp | 73.2%-16.1pp | 81.2%-24.1pp |
| Annual return | 3.53% | 160.78%-157.2pp | 114.12%-110.6pp | 418.27%-414.7pp |
| Employer contribution / active EE | $1,800 | $3,331-46.0% | $2,851-36.9% | $4,741-62.0% |
| Participant deferral / active EE | $6,601 | $4,718+39.9% | $4,233+55.9% | $6,401+3.1% |
| Admin fee / account holder | $24,630 | $6,234+295.1% | $5,422+354.2% | $11,429+115.5% |