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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 | $435,827 | $95,406+356.8% | $185,849+134.5% | $85,847+407.7% |
| Participation rate | 64.4% | 68.8%-4.4pp | 81.7%-17.3pp | 69.3%-4.9pp |
| Annual return | 13.21% | 23.59%-10.4pp | 122.10%-108.9pp | 318.61%-305.4pp |
| Employer contribution / active EE | $5,578 | $3,314+68.3% | $5,169+7.9% | $2,565+117.4% |
| Participant deferral / active EE | $4,202 | $3,424+22.8% | $5,569-24.5% | $3,952+6.3% |
| Admin fee / account holder | $12,719 | $7,214+76.3% | $16,244-21.7% | $6,261+103.2% |