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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 | $250,173 | $118,877+110.4% | $96,570+159.1% | $167,536+49.3% |
| Participation rate | 65.0% | 75.5%-10.5pp | 69.8%-4.8pp | 82.1%-17.1pp |
| Annual return | 15.60% | 50.50%-34.9pp | 37.79%-22.2pp | 478.82%-463.2pp |
| Employer contribution / active EE | $3,558 | $3,121+14.0% | $2,357+51.0% | $4,839-26.5% |
| Participant deferral / active EE | $3,129 | $4,617-32.2% | $3,849-18.7% | $6,342-50.7% |
| Admin fee / account holder | $5,806 | $8,069-28.0% | $6,182-6.1% | $12,315-52.9% |