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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 | $272,276 | $157,296+73.1% | $141,191+92.8% | $152,897+78.1% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 30.46% | 64.34%-33.9pp | 71.41%-41.0pp | 345.43%-315.0pp |
| Employer contribution / active EE | $2,525 | $5,262-52.0% | $4,736-46.7% | $4,764-47.0% |
| Participant deferral / active EE | $14,667 | $7,111+106.3% | $6,710+118.6% | $5,851+150.7% |
| Admin fee / account holder | $3,230 | $12,125-73.4% | $10,264-68.5% | $11,599-72.2% |