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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 | $108,882+186.1% | $96,754+222.0% | $154,746+101.3% |
| Participation rate | 33.3% | 75.1%-41.7pp | 70.3%-36.9pp | 80.7%-47.4pp |
| Annual return | 18.46% | 98.39%-79.9pp | 82.04%-63.6pp | 172.34%-153.9pp |
| Employer contribution / active EE | $8,046 | $3,018+166.6% | $2,679+200.3% | $4,379+83.7% |
| Participant deferral / active EE | $11,297 | $5,323+112.2% | $4,758+137.4% | $6,730+67.9% |
| Admin fee / account holder | $4,517 | $10,200-55.7% | $8,905-49.3% | $14,365-68.6% |