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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 | $384,159 | $105,210+265.1% | $159,487+140.9% | $85,851+347.5% |
| Participation rate | 55.0% | 75.8%-20.8pp | 82.8%-27.8pp | 69.3%-14.3pp |
| Annual return | 16.77% | 45.08%-28.3pp | 263.71%-246.9pp | 318.63%-301.9pp |
| Employer contribution / active EE | $11,547 | $3,319+247.9% | $4,831+139.0% | $2,565+350.1% |
| Participant deferral / active EE | $11,475 | $5,946+93.0% | $7,354+56.0% | $3,952+190.3% |
| Admin fee / account holder | $6,325 | $6,934-8.8% | $10,804-41.5% | $6,261+1.0% |