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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 | $346,365 | $85,171+306.7% | $172,752+100.5% | $72,975+374.6% |
| Participation rate | 64.7% | 70.1%-5.4pp | 82.6%-17.9pp | 69.5%-4.8pp |
| Annual return | 23.67% | 27.32%-3.6pp | 802.97%-779.3pp | 81.01%-57.3pp |
| Employer contribution / active EE | $18,340 | $3,324+451.7% | $5,144+256.5% | $2,440+651.6% |
| Participant deferral / active EE | $3,438 | $3,260+5.4% | $5,198-33.9% | $3,608-4.7% |
| Admin fee / account holder | $4,032 | $5,880-31.4% | $13,955-71.1% | $5,124-21.3% |