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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 | $311,511 | $97,125+220.7% | $86,233+261.2% | $137,256+127.0% |
| Participation rate | 33.3% | 74.2%-40.9pp | 69.0%-35.7pp | 80.0%-46.6pp |
| Annual return | 18.46% | 74.19%-55.7pp | 61.39%-42.9pp | 220.34%-201.9pp |
| Employer contribution / active EE | $8,046 | $2,841+183.2% | $2,504+221.3% | $4,156+93.6% |
| Participant deferral / active EE | $11,297 | $5,180+118.1% | $4,559+147.8% | $6,407+76.3% |
| Admin fee / account holder | $4,517 | $9,725-53.6% | $8,342-45.9% | $12,270-63.2% |