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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 | $118,875+111.6% | $96,572+160.5% | $167,553+50.1% |
| Participation rate | 50.0% | 75.5%-25.5pp | 69.8%-19.8pp | 82.1%-32.1pp |
| Annual return | 14.18% | 50.50%-36.3pp | 37.79%-23.6pp | 478.89%-464.7pp |
| Employer contribution / active EE | $7,597 | $3,121+143.4% | $2,357+222.3% | $4,840+57.0% |
| Participant deferral / active EE | $7,705 | $4,617+66.9% | $3,850+100.1% | $6,343+21.5% |
| Admin fee / account holder | $1,865 | $8,070-76.9% | $6,183-69.8% | $12,316-84.9% |