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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 | $339,816 | $156,616+117.0% | $133,346+154.8% | $198,609+71.1% |
| Participation rate | 55.6% | 77.7%-22.2pp | 72.8%-17.3pp | 82.4%-26.8pp |
| Annual return | 13.79% | 44.25%-30.5pp | 36.85%-23.1pp | 202.70%-188.9pp |
| Employer contribution / active EE | $3,333 | $3,368-1.0% | $2,853+16.8% | $5,055-34.1% |
| Participant deferral / active EE | $5,883 | $4,920+19.6% | $4,332+35.8% | $6,977-15.7% |
| Admin fee / account holder | $8,654 | $17,468-50.5% | $14,264-39.3% | $19,030-54.5% |