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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 | $253,594 | $117,846+115.2% | $102,434+147.6% | $145,884+73.8% |
| Participation rate | 66.7% | 78.6%-12.0pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 17.83% | 31.90%-14.1pp | 29.46%-11.6pp | 551.85%-534.0pp |
| Employer contribution / active EE | $10,797 | $3,615+198.7% | $3,023+257.1% | $4,662+131.6% |
| Participant deferral / active EE | $4,064 | $5,733-29.1% | $5,055-19.6% | $6,690-39.2% |
| Admin fee / account holder | $1,936 | $13,356-85.5% | $9,462-79.5% | $13,392-85.5% |