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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 | $306,382 | $154,228+98.7% | $145,433+110.7% | $137,256+123.2% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.1%-32.1pp | 80.0%-30.0pp |
| Annual return | 14.31% | 74.59%-60.3pp | 66.58%-52.3pp | 220.34%-206.0pp |
| Employer contribution / active EE | $3,379 | $4,804-29.7% | $4,554-25.8% | $4,156-18.7% |
| Participant deferral / active EE | $10,631 | $8,216+29.4% | $7,897+34.6% | $6,407+65.9% |
| Admin fee / account holder | $87,853 | $14,344+512.5% | $13,129+569.2% | $12,270+616.0% |