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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 | $486,861 | $114,013+327.0% | $103,693+369.5% | $155,188+213.7% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 80.8%-30.8pp |
| Annual return | 14.33% | 49.31%-35.0pp | 47.61%-33.3pp | 148.84%-134.5pp |
| Employer contribution / active EE | $5,441 | $3,131+73.8% | $2,920+86.3% | $4,248+28.1% |
| Participant deferral / active EE | $11,613 | $4,970+133.7% | $4,579+153.6% | $6,531+77.8% |
| Admin fee / account holder | $11,406 | $8,407+35.7% | $7,858+45.1% | $14,480-21.2% |