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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 | $341,178 | $100,262+240.3% | $81,370+319.3% | $145,897+133.8% |
| Participation rate | 64.3% | 74.3%-10.0pp | 69.5%-5.3pp | 80.3%-16.0pp |
| Annual return | 10.09% | 34.52%-24.4pp | 24.85%-14.8pp | 552.29%-542.2pp |
| Employer contribution / active EE | $4,775 | $2,979+60.3% | $2,464+93.8% | $4,663+2.4% |
| Participant deferral / active EE | $7,028 | $4,612+52.4% | $3,885+80.9% | $6,689+5.1% |
| Admin fee / account holder | $80,770 | $8,163+889.5% | $5,749+1304.9% | $13,390+503.2% |