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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 | $167,030+168.4% | $135,768+230.2% | $155,188+188.9% |
| Participation rate | 61.1% | 76.2%-15.0pp | 71.1%-10.0pp | 80.8%-19.7pp |
| Annual return | 12.61% | 678.39%-665.8pp | 526.10%-513.5pp | 148.84%-136.2pp |
| Employer contribution / active EE | $2,099 | $4,132-49.2% | $3,394-38.1% | $4,248-50.6% |
| Participant deferral / active EE | $4,908 | $4,528+8.4% | $3,977+23.4% | $6,531-24.8% |
| Admin fee / account holder | $2,585 | $8,172-68.4% | $7,048-63.3% | $14,480-82.1% |