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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 | $366,679 | $112,729+225.3% | $98,716+271.4% | $137,256+167.1% |
| Participation rate | 33.3% | 74.2%-40.9pp | 69.3%-36.0pp | 80.0%-46.6pp |
| Annual return | 18.53% | 38.48%-19.9pp | 31.81%-13.3pp | 220.34%-201.8pp |
| Employer contribution / active EE | $14,000 | $2,725+413.7% | $2,279+514.4% | $4,156+236.9% |
| Participant deferral / active EE | $11,583 | $4,640+149.6% | $4,048+186.2% | $6,407+80.8% |
| Admin fee / account holder | $646 | $10,129-93.6% | $8,703-92.6% | $12,270-94.7% |