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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 | $365,100 | $169,237+115.7% | $129,339+182.3% | $145,978+150.1% |
| Participation rate | 40.0% | 76.5%-36.5pp | 69.6%-29.6pp | 80.3%-40.3pp |
| Annual return | 11.29% | 14364.43%-14353.1pp | 9437.05%-9425.8pp | 550.52%-539.2pp |
| Employer contribution / active EE | $1,091 | $5,540-80.3% | $4,154-73.7% | $4,662-76.6% |
| Participant deferral / active EE | $12,200 | $4,991+144.4% | $4,170+192.6% | $6,690+82.4% |
| Admin fee / account holder | $3,908 | $9,882-60.4% | $7,668-49.0% | $13,400-70.8% |