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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 | $335,941 | $91,198+268.4% | $178,503+88.2% | $79,856+320.7% |
| Participation rate | 68.2% | 69.2%-1.0pp | 81.9%-13.7pp | 69.6%-1.5pp |
| Annual return | 20.36% | 24.20%-3.8pp | 151.12%-130.8pp | 31.71%-11.3pp |
| Employer contribution / active EE | $1,339 | $3,257-58.9% | $5,011-73.3% | $2,471-45.8% |
| Participant deferral / active EE | $3,126 | $3,237-3.4% | $5,202-39.9% | $3,741-16.4% |
| Admin fee / account holder | $14,405 | $6,748+113.5% | $13,987+3.0% | $5,306+171.5% |