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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 | $360,368 | $89,370+303.2% | $141,197+155.2% | $72,976+393.8% |
| Participation rate | 60.0% | 75.1%-15.1pp | 82.5%-22.5pp | 69.5%-9.5pp |
| Annual return | 19.58% | 111.88%-92.3pp | 71.41%-51.8pp | 81.02%-61.4pp |
| Employer contribution / active EE | $11,938 | $3,115+283.2% | $4,736+152.0% | $2,440+389.2% |
| Participant deferral / active EE | $5,726 | $5,419+5.7% | $6,710-14.7% | $3,608+58.7% |
| Admin fee / account holder | $29,966 | $5,957+403.1% | $10,265+191.9% | $5,124+484.8% |