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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 | $304,514 | $99,995+204.5% | $85,063+258.0% | $145,978+108.6% |
| Participation rate | 60.0% | 74.1%-14.1pp | 67.5%-7.5pp | 80.3%-20.3pp |
| Annual return | 9.80% | 83.99%-74.2pp | 66.54%-56.7pp | 550.52%-540.7pp |
| Employer contribution / active EE | $4,452 | $3,231+37.8% | $2,727+63.2% | $4,662-4.5% |
| Participant deferral / active EE | $13,095 | $5,295+147.3% | $4,523+189.5% | $6,690+95.8% |
| Admin fee / account holder | $3,022 | $7,255-58.3% | $6,155-50.9% | $13,400-77.5% |