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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 | $211,288+89.5% | $178,540+124.3% | $145,884+174.5% |
| Participation rate | 60.0% | 80.8%-20.8pp | 77.1%-17.1pp | 80.3%-20.3pp |
| Annual return | 15.22% | 30.27%-15.0pp | 27.15%-11.9pp | 551.85%-536.6pp |
| Employer contribution / active EE | $17,818 | $4,574+289.6% | $3,953+350.8% | $4,662+282.2% |
| Participant deferral / active EE | $9,198 | $6,967+32.0% | $6,281+46.5% | $6,690+37.5% |
| Admin fee / account holder | $4,996 | $12,105-58.7% | $10,424-52.1% | $13,392-62.7% |