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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 | $348,011 | $111,535+212.0% | $105,223+230.7% | $137,256+153.5% |
| Participation rate | 41.2% | 78.1%-36.9pp | 75.0%-33.9pp | 80.0%-38.8pp |
| Annual return | 19.86% | 237.85%-218.0pp | 180.65%-160.8pp | 220.34%-200.5pp |
| Employer contribution / active EE | $1,888 | $3,939-52.1% | $3,689-48.8% | $4,156-54.6% |
| Participant deferral / active EE | $7,926 | $5,500+44.1% | $5,072+56.3% | $6,407+23.7% |
| Admin fee / account holder | $39,596 | $9,721+307.3% | $8,859+347.0% | $12,270+222.7% |