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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 | $618,487 | $124,330+397.5% | $109,173+466.5% | $167,536+269.2% |
| Participation rate | 27.3% | 79.5%-52.2pp | 75.9%-48.6pp | 82.1%-54.8pp |
| Annual return | 15.61% | 26.04%-10.4pp | 25.75%-10.1pp | 478.82%-463.2pp |
| Employer contribution / active EE | $1,677 | $4,209-60.1% | $3,723-54.9% | $4,839-65.3% |
| Participant deferral / active EE | $4,567 | $5,256-13.1% | $4,654-1.9% | $6,342-28.0% |
| Admin fee / account holder | $2,353 | $7,974-70.5% | $6,755-65.2% | $12,315-80.9% |