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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 | $313,002 | $117,846+165.6% | $102,434+205.6% | $145,884+114.6% |
| Participation rate | 66.7% | 78.6%-12.0pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 11.12% | 31.90%-20.8pp | 29.46%-18.3pp | 551.85%-540.7pp |
| Employer contribution / active EE | $2,161 | $3,615-40.2% | $3,023-28.5% | $4,662-53.7% |
| Participant deferral / active EE | $11,535 | $5,733+101.2% | $5,055+128.2% | $6,690+72.4% |
| Admin fee / account holder | $977 | $13,356-92.7% | $9,462-89.7% | $13,392-92.7% |