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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 | $147,556+121.4% | $129,031+153.2% | $198,609+64.5% |
| Participation rate | 66.7% | 77.2%-10.6pp | 73.4%-6.7pp | 82.4%-15.7pp |
| Annual return | 18.67% | 37.41%-18.7pp | 34.67%-16.0pp | 202.70%-184.0pp |
| Employer contribution / active EE | $18,932 | $3,645+419.4% | $3,226+486.8% | $5,055+274.5% |
| Participant deferral / active EE | $8,698 | $5,760+51.0% | $5,217+66.7% | $6,977+24.7% |
| Admin fee / account holder | $50,420 | $15,467+226.0% | $13,208+281.7% | $19,030+164.9% |