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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 | $100,147+240.7% | $81,286+319.7% | $145,877+133.9% |
| Participation rate | 64.3% | 74.2%-9.9pp | 69.5%-5.2pp | 80.3%-16.0pp |
| Annual return | 10.09% | 34.44%-24.3pp | 24.80%-14.7pp | 551.28%-541.2pp |
| Employer contribution / active EE | $4,775 | $2,977+60.4% | $2,463+93.9% | $4,663+2.4% |
| Participant deferral / active EE | $7,028 | $4,607+52.5% | $3,883+81.0% | $6,691+5.0% |
| Admin fee / account holder | $80,770 | $8,201+884.9% | $5,764+1301.3% | $13,402+502.7% |