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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 | $300,111 | $77,901+285.2% | $149,717+100.5% | $75,181+299.2% |
| Participation rate | 60.0% | 65.6%-5.6pp | 78.8%-18.8pp | 67.2%-7.2pp |
| Annual return | 14.18% | 31.73%-17.5pp | 134.41%-120.2pp | 160.69%-146.5pp |
| Employer contribution / active EE | $2,293 | $3,137-26.9% | $4,820-52.4% | $2,671-14.1% |
| Participant deferral / active EE | $5,139 | $3,411+50.7% | $5,682-9.5% | $4,126+24.6% |
| Admin fee / account holder | $55,538 | $5,949+833.6% | $13,213+320.3% | $5,650+883.0% |