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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 | $266,061 | $111,878+137.8% | $93,727+183.9% | $145,897+82.4% |
| Participation rate | 35.7% | 74.2%-38.5pp | 68.7%-33.0pp | 80.3%-44.6pp |
| Annual return | 8.23% | 204.28%-196.0pp | 133.83%-125.6pp | 552.29%-544.1pp |
| Employer contribution / active EE | $907 | $3,092-70.7% | $2,421-62.5% | $4,663-80.6% |
| Participant deferral / active EE | $2,692 | $4,920-45.3% | $4,417-39.1% | $6,689-59.8% |
| Admin fee / account holder | $2,686 | $10,256-73.8% | $8,292-67.6% | $13,390-79.9% |