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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 | $502,453 | $157,304+219.4% | $141,197+255.9% | $152,909+228.6% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 24.07% | 64.34%-40.3pp | 71.41%-47.3pp | 345.46%-321.4pp |
| Employer contribution / active EE | $3,062 | $5,263-41.8% | $4,736-35.4% | $4,764-35.7% |
| Participant deferral / active EE | $6,827 | $7,111-4.0% | $6,710+1.7% | $5,851+16.7% |
| Admin fee / account holder | $2,449 | $12,126-79.8% | $10,265-76.1% | $11,601-78.9% |