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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 | $282,417 | $154,209+83.1% | $130,062+117.1% | $139,487+102.5% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.5%-11.8pp | 80.3%-13.7pp |
| Annual return | 23.70% | 32.52%-8.8pp | -137.37%+161.1pp | 373.84%-350.1pp |
| Employer contribution / active EE | $3,690 | $5,292-30.3% | $4,322-14.6% | $4,755-22.4% |
| Participant deferral / active EE | $4,600 | $6,709-31.4% | $5,821-21.0% | $6,713-31.5% |
| Admin fee / account holder | $3,124 | $13,988-77.7% | $10,601-70.5% | $11,407-72.6% |