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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 | $264,048 | $67,823+289.3% | $52,425+403.7% | $137,256+92.4% |
| Participation rate | 50.0% | 63.9%-13.9pp | 55.6%-5.6pp | 80.0%-30.0pp |
| Annual return | 15.37% | 219.11%-203.7pp | 302.12%-286.8pp | 220.34%-205.0pp |
| Employer contribution / active EE | $1,995 | $1,163+71.5% | $914+118.2% | $4,156-52.0% |
| Participant deferral / active EE | $6,386 | $2,288+179.1% | $1,790+256.7% | $6,407-0.3% |
| Admin fee / account holder | $1,815 | $2,844-36.2% | $2,495-27.3% | $12,270-85.2% |