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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 | $297,917 | $102,422+190.9% | $147,117+102.5% | $80,959+268.0% |
| Participation rate | 63.3% | 75.9%-12.5pp | 82.2%-18.9pp | 67.7%-4.3pp |
| Annual return | 13.61% | 135.16%-121.5pp | 420.54%-406.9pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,496 | $3,717-32.9% | $4,932-49.4% | $2,757-9.5% |
| Participant deferral / active EE | $5,346 | $6,652-19.6% | $8,065-33.7% | $4,300+24.3% |
| Admin fee / account holder | $7,557 | $7,953-5.0% | $12,993-41.8% | $6,925+9.1% |