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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 | $111,785+138.0% | $93,669+184.0% | $145,877+82.4% |
| Participation rate | 35.7% | 74.2%-38.5pp | 68.7%-33.0pp | 80.3%-44.6pp |
| Annual return | 8.23% | 203.79%-195.6pp | 133.59%-125.4pp | 551.28%-543.1pp |
| Employer contribution / active EE | $907 | $3,096-70.7% | $2,424-62.6% | $4,663-80.6% |
| Participant deferral / active EE | $2,692 | $4,919-45.3% | $4,416-39.0% | $6,691-59.8% |
| Admin fee / account holder | $2,686 | $10,256-73.8% | $8,291-67.6% | $13,402-80.0% |