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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 | $400,458 | $211,224+89.6% | $178,505+124.3% | $145,897+174.5% |
| Participation rate | 60.0% | 80.8%-20.8pp | 77.1%-17.1pp | 80.3%-20.3pp |
| Annual return | 15.22% | 30.28%-15.1pp | 27.16%-11.9pp | 552.29%-537.1pp |
| Employer contribution / active EE | $17,818 | $4,577+289.3% | $3,955+350.5% | $4,663+282.2% |
| Participant deferral / active EE | $9,198 | $6,966+32.1% | $6,280+46.5% | $6,689+37.5% |
| Admin fee / account holder | $4,996 | $12,109-58.7% | $10,428-52.1% | $13,390-62.7% |