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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 | $418,340 | $183,516+128.0% | $155,534+169.0% | $145,884+186.8% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 23.54% | 61.43%-37.9pp | 64.92%-41.4pp | 551.85%-528.3pp |
| Employer contribution / active EE | $1,528 | $5,315-71.2% | $4,675-67.3% | $4,662-67.2% |
| Participant deferral / active EE | $10,247 | $6,467+58.5% | $5,630+82.0% | $6,690+53.2% |
| Admin fee / account holder | $12,416 | $19,293-35.6% | $15,900-21.9% | $13,392-7.3% |