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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 | $325,212 | $65,434+397.0% | $98,483+230.2% | $85,847+278.8% |
| Participation rate | 64.7% | 65.0%-0.3pp | 73.3%-8.6pp | 69.3%-4.6pp |
| Annual return | 13.39% | 21.75%-8.4pp | 1494.38%-1481.0pp | 318.61%-305.2pp |
| Employer contribution / active EE | $2,852 | $2,169+31.5% | $2,961-3.7% | $2,565+11.2% |
| Participant deferral / active EE | $5,504 | $3,168+73.7% | $4,276+28.7% | $3,952+39.3% |
| Admin fee / account holder | $13,710 | $4,595+198.4% | $5,953+130.3% | $6,261+119.0% |