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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 | $283,049 | $157,304+79.9% | $141,197+100.5% | $152,909+85.1% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 23.82% | 64.34%-40.5pp | 71.41%-47.6pp | 345.46%-321.6pp |
| Employer contribution / active EE | $3,420 | $5,263-35.0% | $4,736-27.8% | $4,764-28.2% |
| Participant deferral / active EE | $10,500 | $7,111+47.7% | $6,710+56.5% | $5,851+79.4% |
| Admin fee / account holder | $1,776 | $12,126-85.4% | $10,265-82.7% | $11,601-84.7% |