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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 | $251,566 | $118,854+111.7% | $96,565+160.5% | $167,497+50.2% |
| Participation rate | 50.0% | 75.5%-25.5pp | 69.8%-19.8pp | 82.1%-32.1pp |
| Annual return | 14.18% | 50.49%-36.3pp | 37.78%-23.6pp | 478.62%-464.4pp |
| Employer contribution / active EE | $7,597 | $3,119+143.5% | $2,356+222.4% | $4,838+57.0% |
| Participant deferral / active EE | $7,705 | $4,615+66.9% | $3,848+100.2% | $6,341+21.5% |
| Admin fee / account holder | $1,865 | $8,065-76.9% | $6,181-69.8% | $12,310-84.8% |