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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 | $272,229 | $88,754+206.7% | $81,820+232.7% | $145,877+86.6% |
| Participation rate | 56.5% | 75.1%-18.6pp | 72.4%-15.9pp | 80.3%-23.8pp |
| Annual return | 10.27% | 1031.77%-1021.5pp | 777.93%-767.7pp | 551.28%-541.0pp |
| Employer contribution / active EE | $2,602 | $3,085-15.7% | $2,915-10.7% | $4,663-44.2% |
| Participant deferral / active EE | $6,372 | $4,648+37.1% | $4,323+47.4% | $6,691-4.8% |
| Admin fee / account holder | $1,479 | $8,424-82.4% | $7,391-80.0% | $13,402-89.0% |