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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 | $275,601 | $112,933+144.0% | $90,970+203.0% | $158,982+73.4% |
| Participation rate | 50.0% | 74.7%-24.7pp | 69.0%-19.0pp | 82.0%-32.0pp |
| Annual return | 14.07% | 215.82%-201.7pp | 134.60%-120.5pp | 302.99%-288.9pp |
| Employer contribution / active EE | $23,000 | $2,893+694.9% | $2,122+984.0% | $4,763+382.9% |
| Participant deferral / active EE | $7,113 | $4,128+72.3% | $3,373+110.9% | $5,983+18.9% |
| Admin fee / account holder | $359 | $8,047-95.5% | $5,961-94.0% | $11,252-96.8% |