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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 | $344,930 | $58,258+492.1% | $81,820+321.6% | $80,925+326.2% |
| Participation rate | 68.4% | 63.5%+5.0pp | 72.4%-4.0pp | 67.7%+0.8pp |
| Annual return | 14.45% | 41.76%-27.3pp | 777.93%-763.5pp | 35.65%-21.2pp |
| Employer contribution / active EE | $2,913 | $2,345+24.2% | $2,915-0.1% | $2,756+5.7% |
| Participant deferral / active EE | $6,228 | $3,284+89.7% | $4,323+44.1% | $4,299+44.9% |
| Admin fee / account holder | $1,827 | $4,976-63.3% | $7,391-75.3% | $6,940-73.7% |