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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 | $285,379 | $101,063+182.4% | $81,473+250.3% | $147,586+93.4% |
| Participation rate | 50.0% | 74.5%-24.5pp | 68.0%-18.0pp | 82.8%-32.8pp |
| Annual return | 15.80% | 32.41%-16.6pp | 38.78%-23.0pp | 578.59%-562.8pp |
| Employer contribution / active EE | $5,179 | $3,206+61.6% | $2,568+101.7% | $4,876+6.2% |
| Participant deferral / active EE | $5,272 | $4,242+24.3% | $3,537+49.0% | $5,439-3.1% |
| Admin fee / account holder | $758 | $5,812-87.0% | $4,561-83.4% | $10,886-93.0% |