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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 | $116,167+221.3% | $64,489+478.7% | $137,256+171.9% |
| Participation rate | 66.7% | 68.2%-1.5pp | 67.7%-1.0pp | 80.0%-13.3pp |
| Annual return | 13.82% | 36.55%-22.7pp | 55.03%-41.2pp | 220.34%-206.5pp |
| Employer contribution / active EE | $3,588 | $2,483+44.5% | $1,523+135.5% | $4,156-13.7% |
| Participant deferral / active EE | $6,221 | $4,215+47.6% | $2,778+123.9% | $6,407-2.9% |
| Admin fee / account holder | $118,994 | $6,188+1822.9% | $4,260+2693.3% | $12,270+869.8% |