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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 | $282,808 | $61,356+360.9% | $149,696+88.9% | $71,511+295.5% |
| Participation rate | 63.2% | 62.5%+0.7pp | 78.8%-15.5pp | 67.9%-4.7pp |
| Annual return | 17.81% | 35.86%-18.1pp | 134.46%-116.6pp | 28.86%-11.0pp |
| Employer contribution / active EE | $3,384 | $2,382+42.1% | $4,821-29.8% | $2,589+30.7% |
| Participant deferral / active EE | $6,767 | $2,920+131.8% | $5,682+19.1% | $4,291+57.7% |
| Admin fee / account holder | $30,411 | $1,263+2307.5% | $13,212+130.2% | $1,588+1814.5% |