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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 | $263,779 | $110,379+139.0% | $102,412+157.6% | $145,884+80.8% |
| Participation rate | 57.1% | 77.9%-20.8pp | 74.5%-17.4pp | 80.3%-23.2pp |
| Annual return | 30.89% | 24.84%+6.0pp | 24.94%+5.9pp | 551.85%-521.0pp |
| Employer contribution / active EE | $3,485 | $4,216-17.3% | $3,870-9.9% | $4,662-25.3% |
| Participant deferral / active EE | $7,824 | $5,622+39.2% | $5,060+54.6% | $6,690+17.0% |
| Admin fee / account holder | $2,162 | $9,745-77.8% | $8,388-74.2% | $13,392-83.9% |