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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 | $124,425+250.9% | $112,040+289.7% | $137,256+218.1% |
| Participation rate | 66.7% | 79.3%-12.6pp | 76.5%-9.8pp | 80.0%-13.3pp |
| Annual return | 13.34% | 24.72%-11.4pp | 24.52%-11.2pp | 220.34%-207.0pp |
| Employer contribution / active EE | $1,697 | $3,411-50.2% | $2,954-42.5% | $4,156-59.2% |
| Participant deferral / active EE | $10,958 | $5,718+91.6% | $5,098+115.0% | $6,407+71.0% |
| Admin fee / account holder | $4,306 | $15,207-71.7% | $12,098-64.4% | $12,270-64.9% |