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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 | $349,329 | $183,539+90.3% | $155,556+124.6% | $145,897+139.4% |
| Participation rate | 55.6% | 82.7%-27.2pp | 78.2%-22.7pp | 80.3%-24.8pp |
| Annual return | 10.75% | 61.31%-50.6pp | 64.84%-54.1pp | 552.29%-541.5pp |
| Employer contribution / active EE | $2,336 | $5,315-56.0% | $4,675-50.0% | $4,663-49.9% |
| Participant deferral / active EE | $8,791 | $6,467+35.9% | $5,631+56.1% | $6,689+31.4% |
| Admin fee / account holder | $2,708 | $19,275-85.9% | $15,885-83.0% | $13,390-79.8% |