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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 | $433,950 | $227,399+90.8% | $189,758+128.7% | $198,609+118.5% |
| Participation rate | 28.6% | 84.0%-55.4pp | 79.8%-51.2pp | 82.4%-53.8pp |
| Annual return | 16.11% | 61.03%-44.9pp | 52.62%-36.5pp | 202.70%-186.6pp |
| Employer contribution / active EE | $1,666 | $5,526-69.8% | $4,767-65.0% | $5,055-67.0% |
| Participant deferral / active EE | $3,480 | $6,837-49.1% | $5,856-40.6% | $6,977-50.1% |
| Admin fee / account holder | $10,599 | $25,162-57.9% | $20,388-48.0% | $19,030-44.3% |