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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 | $341,462 | $58,311+485.6% | $81,882+317.0% | $80,959+321.8% |
| Participation rate | 69.0% | 63.5%+5.5pp | 72.4%-3.4pp | 67.7%+1.3pp |
| Annual return | 12.16% | 41.85%-29.7pp | 779.47%-767.3pp | 35.67%-23.5pp |
| Employer contribution / active EE | $7,625 | $2,347+224.9% | $2,916+161.5% | $2,757+176.6% |
| Participant deferral / active EE | $9,342 | $3,287+184.2% | $4,323+116.1% | $4,300+117.2% |
| Admin fee / account holder | $12,955 | $4,752+172.6% | $7,360+76.0% | $6,925+87.1% |