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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 | $406,831 | $175,257+132.1% | $149,717+171.7% | $139,456+191.7% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 17.36% | 166.70%-149.3pp | 134.41%-117.0pp | 373.45%-356.1pp |
| Employer contribution / active EE | $2,151 | $5,477-60.7% | $4,820-55.4% | $4,753-54.7% |
| Participant deferral / active EE | $7,500 | $6,521+15.0% | $5,682+32.0% | $6,711+11.8% |
| Admin fee / account holder | $3,350 | $16,156-79.3% | $13,213-74.6% | $11,407-70.6% |