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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 | $107,809+188.9% | $97,032+221.0% | $155,188+100.7% |
| Participation rate | 33.3% | 75.5%-42.1pp | 71.6%-38.2pp | 80.8%-47.5pp |
| Annual return | 18.46% | 38.06%-19.6pp | 35.38%-16.9pp | 148.84%-130.4pp |
| Employer contribution / active EE | $8,046 | $2,911+176.4% | $2,629+206.1% | $4,248+89.4% |
| Participant deferral / active EE | $11,297 | $5,129+120.2% | $4,672+141.8% | $6,531+73.0% |
| Admin fee / account holder | $4,517 | $10,717-57.9% | $9,418-52.0% | $14,480-68.8% |