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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 | $436,581 | $167,415+160.8% | $140,514+210.7% | $198,609+119.8% |
| Participation rate | 66.7% | 80.9%-14.2pp | 77.8%-11.1pp | 82.4%-15.7pp |
| Annual return | 13.34% | 13.85%-0.5pp | 14.36%-1.0pp | 202.70%-189.4pp |
| Employer contribution / active EE | $1,697 | $4,088-58.5% | $3,378-49.8% | $5,055-66.4% |
| Participant deferral / active EE | $10,958 | $5,579+96.4% | $4,919+122.8% | $6,977+57.1% |
| Admin fee / account holder | $4,306 | $16,730-74.3% | $13,697-68.6% | $19,030-77.4% |