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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 | $276,870 | $55,457+399.3% | $77,361+257.9% | $94,015+194.5% |
| Participation rate | 63.5% | 69.8%-6.3pp | 75.0%-11.5pp | 70.8%-7.3pp |
| Annual return | 11.50% | 15.57%-4.1pp | 1011.54%-1000.0pp | 17.84%-6.3pp |
| Employer contribution / active EE | $14,658 | $2,255+550.1% | $2,990+390.2% | $2,790+425.4% |
| Participant deferral / active EE | $2,352 | $3,069-23.4% | $3,911-39.9% | $4,249-44.7% |
| Admin fee / account holder | $22,139 | $4,334+410.8% | $5,894+275.7% | $8,951+147.3% |