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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 | $437,867 | $106,267+312.0% | $96,520+353.7% | $139,456+214.0% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 24.77% | 38.45%-13.7pp | 35.72%-10.9pp | 373.45%-348.7pp |
| Employer contribution / active EE | $2,287 | $4,105-44.3% | $3,739-38.8% | $4,753-51.9% |
| Participant deferral / active EE | $7,111 | $5,454+30.4% | $4,879+45.8% | $6,711+6.0% |
| Admin fee / account holder | $1,591 | $7,882-79.8% | $6,733-76.4% | $11,407-86.1% |