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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 | $324,761 | $77,638+318.3% | $156,551+107.4% | $62,881+416.5% |
| Participation rate | 55.4% | 71.2%-15.8pp | 84.0%-28.6pp | 69.3%-13.9pp |
| Annual return | 8.19% | 50.33%-42.1pp | 32.23%-24.0pp | 20.14%-12.0pp |
| Employer contribution / active EE | $11,212 | $3,444+225.6% | $5,501+103.8% | $2,281+391.5% |
| Participant deferral / active EE | $7,550 | $3,046+147.9% | $4,871+55.0% | $3,203+135.7% |
| Admin fee / account holder | $1,411 | $5,561-74.6% | $13,028-89.2% | $4,296-67.2% |