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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 | $365,994 | $183,592+99.4% | $155,574+135.3% | $145,877+150.9% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 17.72% | 61.37%-43.7pp | 64.87%-47.1pp | 551.28%-533.6pp |
| Employer contribution / active EE | $5,227 | $5,317-1.7% | $4,676+11.8% | $4,663+12.1% |
| Participant deferral / active EE | $21,033 | $6,466+225.3% | $5,629+273.6% | $6,691+214.4% |
| Admin fee / account holder | $9,466 | $19,316-51.0% | $15,914-40.5% | $13,402-29.4% |