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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 | $326,651 | $97,125+236.3% | $86,233+278.8% | $137,256+138.0% |
| Participation rate | 66.7% | 74.2%-7.5pp | 69.0%-2.4pp | 80.0%-13.3pp |
| Annual return | 18.67% | 74.19%-55.5pp | 61.39%-42.7pp | 220.34%-201.7pp |
| Employer contribution / active EE | $18,932 | $2,841+566.3% | $2,504+656.0% | $4,156+355.5% |
| Participant deferral / active EE | $8,698 | $5,180+67.9% | $4,559+90.8% | $6,407+35.8% |
| Admin fee / account holder | $50,420 | $9,725+418.5% | $8,342+504.4% | $12,270+310.9% |