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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 | $366,102 | $115,796+216.2% | $101,264+261.5% | $158,950+130.3% |
| Participation rate | 66.7% | 79.4%-12.7pp | 75.8%-9.1pp | 82.0%-15.3pp |
| Annual return | 17.84% | 56.15%-38.3pp | 46.48%-28.6pp | 302.91%-285.1pp |
| Employer contribution / active EE | $2,444 | $4,175-41.5% | $3,660-33.2% | $4,762-48.7% |
| Participant deferral / active EE | $8,664 | $4,958+74.8% | $4,370+98.2% | $5,983+44.8% |
| Admin fee / account holder | $1,455 | $7,247-79.9% | $5,947-75.5% | $11,248-87.1% |