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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 | $437,186 | $141,004+210.1% | $112,273+289.4% | $139,466+213.5% |
| Participation rate | 50.0% | 79.2%-29.2pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 15.14% | 32.75%-17.6pp | 30.23%-15.1pp | 373.66%-358.5pp |
| Employer contribution / active EE | $4,800 | $4,285+12.0% | $3,431+39.9% | $4,754+1.0% |
| Participant deferral / active EE | $24,489 | $5,878+316.6% | $4,800+410.2% | $6,712+264.9% |
| Admin fee / account holder | $15,000 | $9,959+50.6% | $7,752+93.5% | $11,409+31.5% |