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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 | $136,860+219.0% | $120,344+262.8% | $154,746+182.1% |
| Participation rate | 66.7% | 79.9%-13.2pp | 76.7%-10.0pp | 80.7%-14.0pp |
| Annual return | 13.34% | 21.38%-8.0pp | 20.30%-7.0pp | 172.34%-159.0pp |
| Employer contribution / active EE | $1,697 | $3,533-52.0% | $3,020-43.8% | $4,379-61.2% |
| Participant deferral / active EE | $10,958 | $5,793+89.2% | $5,135+113.4% | $6,730+62.8% |
| Admin fee / account holder | $4,306 | $15,393-72.0% | $12,742-66.2% | $14,365-70.0% |