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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 | $425,715 | $227,399+87.2% | $189,758+124.3% | $198,609+114.3% |
| Participation rate | 25.0% | 84.0%-59.0pp | 79.8%-54.8pp | 82.4%-57.4pp |
| Annual return | 18.02% | 61.03%-43.0pp | 52.62%-34.6pp | 202.70%-184.7pp |
| Employer contribution / active EE | $2,500 | $5,526-54.8% | $4,767-47.6% | $5,055-50.5% |
| Participant deferral / active EE | $7,500 | $6,837+9.7% | $5,856+28.1% | $6,977+7.5% |
| Admin fee / account holder | $5,566 | $25,162-77.9% | $20,388-72.7% | $19,030-70.8% |