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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 | $253,558 | $60,442+319.5% | $96,754+162.1% | $87,485+189.8% |
| Participation rate | 6.5% | 58.7%-52.3pp | 70.3%-63.8pp | 68.9%-62.5pp |
| Annual return | 15.93% | 21.97%-6.0pp | 82.04%-66.1pp | 26.06%-10.1pp |
| Employer contribution / active EE | $1,456 | $1,691-13.9% | $2,679-45.7% | $2,596-43.9% |
| Participant deferral / active EE | $1,000 | $3,280-69.5% | $4,758-79.0% | $4,274-76.6% |
| Admin fee / account holder | $8,880 | $5,069+75.2% | $8,905-0.3% | $7,775+14.2% |