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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 | $351,786 | $84,236+317.6% | $170,439+106.4% | $70,124+401.7% |
| Participation rate | 59.3% | 70.8%-11.6pp | 83.6%-24.3pp | 69.5%-10.3pp |
| Annual return | 63.80% | 23.06%+40.7pp | 205.94%-142.1pp | 73.14%-9.3pp |
| Employer contribution / active EE | $7,913 | $3,387+133.6% | $5,433+45.7% | $2,342+237.8% |
| Participant deferral / active EE | $9,873 | $3,086+219.9% | $4,939+99.9% | $3,332+196.3% |
| Admin fee / account holder | $4,273 | $5,698-25.0% | $13,881-69.2% | $4,645-8.0% |