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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 | $99,053+229.8% | $88,179+270.4% | $138,895+135.2% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.1%-2.5pp | 79.9%-13.3pp |
| Annual return | 18.67% | 78.17%-59.5pp | 64.97%-46.3pp | 145.39%-126.7pp |
| Employer contribution / active EE | $18,932 | $2,882+556.9% | $2,549+642.6% | $4,194+351.4% |
| Participant deferral / active EE | $8,698 | $5,225+66.5% | $4,614+88.5% | $6,396+36.0% |
| Admin fee / account holder | $50,420 | $8,748+476.3% | $7,673+557.1% | $12,562+301.4% |