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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 | $344,596 | $78,690+337.9% | $161,489+113.4% | $87,485+293.9% |
| Participation rate | 68.4% | 67.5%+1.0pp | 78.7%-10.3pp | 68.9%-0.5pp |
| Annual return | 15.19% | 32.74%-17.5pp | 89.72%-74.5pp | 26.06%-10.9pp |
| Employer contribution / active EE | $6,386 | $2,588+146.7% | $4,268+49.6% | $2,596+146.0% |
| Participant deferral / active EE | $5,329 | $3,311+60.9% | $5,630-5.3% | $4,274+24.7% |
| Admin fee / account holder | $10,218 | $6,724+52.0% | $16,006-36.2% | $7,775+31.4% |