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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 | $416,461 | $77,908+434.6% | $149,696+178.2% | $75,173+454.0% |
| Participation rate | 64.9% | 65.6%-0.7pp | 78.8%-13.9pp | 67.2%-2.3pp |
| Annual return | 15.05% | 31.73%-16.7pp | 134.46%-119.4pp | 160.72%-145.7pp |
| Employer contribution / active EE | $9,388 | $3,138+199.2% | $4,821+94.7% | $2,671+251.5% |
| Participant deferral / active EE | $7,449 | $3,411+118.4% | $5,682+31.1% | $4,126+80.5% |
| Admin fee / account holder | $32,617 | $5,950+448.2% | $13,212+146.9% | $5,651+477.2% |