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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 | $289,738 | $100,073+189.5% | $85,126+240.4% | $145,877+98.6% |
| Participation rate | 66.7% | 74.1%-7.4pp | 67.5%-0.9pp | 80.3%-13.6pp |
| Annual return | 9.61% | 84.11%-74.5pp | 66.63%-57.0pp | 551.28%-541.7pp |
| Employer contribution / active EE | $1,100 | $3,236-66.0% | $2,731-59.7% | $4,663-76.4% |
| Participant deferral / active EE | $4,167 | $5,294-21.3% | $4,523-7.9% | $6,691-37.7% |
| Admin fee / account holder | $166,720 | $7,261+2196.1% | $6,160+2606.4% | $13,402+1144.0% |