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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 | $333,408 | $106,918+211.8% | $84,021+296.8% | $152,897+118.1% |
| Participation rate | 64.3% | 75.2%-11.0pp | 69.0%-4.7pp | 82.5%-18.2pp |
| Annual return | 22.71% | 105.01%-82.3pp | 71.32%-48.6pp | 345.43%-322.7pp |
| Employer contribution / active EE | $1,651 | $2,735-39.6% | $1,984-16.8% | $4,764-65.3% |
| Participant deferral / active EE | $4,971 | $4,012+23.9% | $3,239+53.5% | $5,851-15.0% |
| Admin fee / account holder | $9,034 | $8,288+9.0% | $6,102+48.1% | $11,599-22.1% |