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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 | $254,968 | $111,535+128.6% | $105,223+142.3% | $137,256+85.8% |
| Participation rate | 62.5% | 78.1%-15.6pp | 75.0%-12.5pp | 80.0%-17.5pp |
| Annual return | 13.59% | 237.85%-224.3pp | 180.65%-167.1pp | 220.34%-206.7pp |
| Employer contribution / active EE | $3,419 | $3,939-13.2% | $3,689-7.3% | $4,156-17.7% |
| Participant deferral / active EE | $11,069 | $5,500+101.3% | $5,072+118.3% | $6,407+72.8% |
| Admin fee / account holder | $36,629 | $9,721+276.8% | $8,859+313.5% | $12,270+198.5% |