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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 | $256,453 | $102,595+150.0% | $94,057+172.7% | $154,746+65.7% |
| Participation rate | 25.0% | 76.0%-51.0pp | 73.3%-48.3pp | 80.7%-55.7pp |
| Annual return | 11.95% | 583.42%-571.5pp | 480.62%-468.7pp | 172.34%-160.4pp |
| Employer contribution / active EE | $1,599 | $3,147-49.2% | $2,933-45.5% | $4,379-63.5% |
| Participant deferral / active EE | $4,368 | $5,118-14.7% | $4,709-7.3% | $6,730-35.1% |
| Admin fee / account holder | $279,781 | $7,736+3516.6% | $7,244+3762.0% | $14,365+1847.6% |