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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 | $69,118+282.0% | $53,647+392.2% | $138,895+90.1% |
| Participation rate | 50.0% | 64.0%-14.0pp | 56.3%-6.3pp | 79.9%-29.9pp |
| Annual return | 15.37% | 248.26%-232.9pp | 358.33%-343.0pp | 145.39%-130.0pp |
| Employer contribution / active EE | $1,995 | $1,189+67.7% | $962+107.3% | $4,194-52.4% |
| Participant deferral / active EE | $6,386 | $2,274+180.8% | $1,813+252.2% | $6,396-0.2% |
| Admin fee / account holder | $1,815 | $2,724-33.4% | $2,460-26.2% | $12,562-85.6% |