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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 | $364,393 | $87,546+316.2% | $75,784+380.8% | $125,389+190.6% |
| Participation rate | 60.0% | 80.2%-20.2pp | 75.8%-15.8pp | 83.2%-23.2pp |
| Annual return | 2.39% | 13.49%-11.1pp | 9.68%-7.3pp | 282.24%-279.8pp |
| Employer contribution / active EE | $9,000 | $3,930+129.0% | $3,323+170.8% | $4,866+85.0% |
| Participant deferral / active EE | $8,500 | $4,230+101.0% | $3,652+132.8% | $5,352+58.8% |
| Admin fee / account holder | $19,748 | $6,503+203.7% | $5,300+272.6% | $9,541+107.0% |