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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 | $337,334 | $211,224+59.7% | $178,505+89.0% | $145,897+131.2% |
| Participation rate | 25.0% | 80.8%-55.8pp | 77.1%-52.1pp | 80.3%-55.3pp |
| Annual return | 7.71% | 30.28%-22.6pp | 27.16%-19.4pp | 552.29%-544.6pp |
| Employer contribution / active EE | $850 | $4,577-81.4% | $3,955-78.5% | $4,663-81.8% |
| Participant deferral / active EE | $6,688 | $6,966-4.0% | $6,280+6.5% | $6,6890% |
| Admin fee / account holder | $2,692 | $12,109-77.8% | $10,428-74.2% | $13,390-79.9% |