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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 | $124,980+171.9% | $108,359+213.6% | $154,746+119.6% |
| Participation rate | 55.6% | 75.2%-19.6pp | 70.1%-14.6pp | 80.7%-25.1pp |
| Annual return | 13.79% | 45.00%-31.2pp | 36.89%-23.1pp | 172.34%-158.5pp |
| Employer contribution / active EE | $3,333 | $2,851+16.9% | $2,399+38.9% | $4,379-23.9% |
| Participant deferral / active EE | $5,883 | $4,743+24.0% | $4,137+42.2% | $6,730-12.6% |
| Admin fee / account holder | $8,654 | $11,502-24.8% | $9,741-11.2% | $14,365-39.8% |