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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 | $274,574 | $98,776+178.0% | $149,745+83.4% | $79,856+243.8% |
| Participation rate | 65.1% | 75.8%-10.7pp | 82.5%-17.4pp | 69.6%-4.5pp |
| Annual return | 12.94% | 27.38%-14.4pp | 276.72%-263.8pp | 31.71%-18.8pp |
| Employer contribution / active EE | $4,717 | $3,217+46.6% | $4,646+1.5% | $2,471+90.9% |
| Participant deferral / active EE | $5,847 | $5,681+2.9% | $6,843-14.5% | $3,741+56.3% |
| Admin fee / account holder | $24,426 | $6,053+303.6% | $9,312+162.3% | $5,306+360.3% |