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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 | $448,332 | $162,529+175.8% | $130,788+242.8% | $154,746+189.7% |
| Participation rate | 61.1% | 75.9%-14.7pp | 70.1%-9.0pp | 80.7%-19.6pp |
| Annual return | 12.61% | 510.48%-497.9pp | 386.44%-373.8pp | 172.34%-159.7pp |
| Employer contribution / active EE | $2,099 | $4,447-52.8% | $3,558-41.0% | $4,379-52.1% |
| Participant deferral / active EE | $4,908 | $4,808+2.1% | $4,137+18.6% | $6,730-27.1% |
| Admin fee / account holder | $2,585 | $7,669-66.3% | $6,673-61.3% | $14,365-82.0% |