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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 | $268,208 | $108,912+146.3% | $100,383+167.2% | $145,959+83.8% |
| Participation rate | 65.2% | 83.0%-17.7pp | 81.5%-16.3pp | 80.3%-15.1pp |
| Annual return | 32.38% | 57.96%-25.6pp | 49.26%-16.9pp | 561.95%-529.6pp |
| Employer contribution / active EE | $0 | $4,423-100.0% | $3,944-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $14,025 | $8,451+66.0% | $8,086+73.4% | $6,689+109.7% |
| Admin fee / account holder | $9,013 | $9,690-7.0% | $7,900+14.1% | $13,398-32.7% |