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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 | $349,460 | $165,399+111.3% | $149,745+133.4% | $158,982+119.8% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 19.18% | 348.34%-329.2pp | 276.72%-257.5pp | 302.99%-283.8pp |
| Employer contribution / active EE | $2,145 | $5,105-58.0% | $4,646-53.8% | $4,763-55.0% |
| Participant deferral / active EE | $14,500 | $7,183+101.9% | $6,843+111.9% | $5,983+142.3% |
| Admin fee / account holder | $897 | $10,811-91.7% | $9,312-90.4% | $11,252-92.0% |