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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 | $367,013 | $109,967+233.7% | $97,197+277.6% | $145,877+151.6% |
| Participation rate | 52.9% | 76.0%-23.0pp | 72.7%-19.7pp | 80.3%-27.4pp |
| Annual return | 10.76% | 244.27%-233.5pp | 75.47%-64.7pp | 551.28%-540.5pp |
| Employer contribution / active EE | $2,908 | $3,077-5.5% | $2,723+6.8% | $4,663-37.6% |
| Participant deferral / active EE | $8,209 | $4,676+75.5% | $4,263+92.5% | $6,691+22.7% |
| Admin fee / account holder | $16,081 | $6,199+159.4% | $5,637+185.3% | $13,402+20.0% |