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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 | $284,765 | $183,592+55.1% | $155,574+83.0% | $145,877+95.2% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 9.93% | 61.37%-51.4pp | 64.87%-54.9pp | 551.28%-541.4pp |
| Employer contribution / active EE | $1,694 | $5,317-68.1% | $4,676-63.8% | $4,663-63.7% |
| Participant deferral / active EE | $13,802 | $6,466+113.4% | $5,629+145.2% | $6,691+106.3% |
| Admin fee / account holder | $8,805 | $19,316-54.4% | $15,914-44.7% | $13,402-34.3% |