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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 | $373,201 | $222,882+67.4% | $182,153+104.9% | $198,609+87.9% |
| Participation rate | 66.7% | 67.8%-1.1pp | 65.7%+0.9pp | 82.4%-15.7pp |
| Annual return | 13.82% | 38.53%-24.7pp | 35.04%-21.2pp | 202.70%-188.9pp |
| Employer contribution / active EE | $3,588 | $2,741+30.9% | $2,593+38.3% | $5,055-29.0% |
| Participant deferral / active EE | $6,221 | $4,212+47.7% | $3,776+64.8% | $6,977-10.8% |
| Admin fee / account holder | $118,994 | $8,972+1226.2% | $9,477+1155.6% | $19,030+525.3% |