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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 | $211,239+59.7% | $178,528+89.0% | $145,877+131.2% |
| Participation rate | 25.0% | 80.8%-55.8pp | 77.1%-52.1pp | 80.3%-55.3pp |
| Annual return | 7.71% | 30.22%-22.5pp | 27.11%-19.4pp | 551.28%-543.6pp |
| Employer contribution / active EE | $850 | $4,570-81.4% | $3,950-78.5% | $4,663-81.8% |
| Participant deferral / active EE | $6,688 | $6,963-4.0% | $6,278+6.5% | $6,6910% |
| Admin fee / account holder | $2,692 | $12,095-77.7% | $10,419-74.2% | $13,402-79.9% |