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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 | $58,848+330.9% | $88,179+187.6% | $82,637+206.8% |
| Participation rate | 6.5% | 57.9%-51.4pp | 69.1%-62.7pp | 68.1%-61.6pp |
| Annual return | 15.93% | 22.76%-6.8pp | 64.97%-49.0pp | 53.51%-37.6pp |
| Employer contribution / active EE | $1,456 | $1,678-13.3% | $2,549-42.9% | $2,552-43.0% |
| Participant deferral / active EE | $1,000 | $3,124-68.0% | $4,614-78.3% | $4,126-75.8% |
| Admin fee / account holder | $8,880 | $4,795+85.2% | $7,673+15.7% | $7,339+21.0% |