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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 | $408,008 | $106,280+283.9% | $96,538+322.6% | $139,487+192.5% |
| Participation rate | 60.0% | 77.8%-17.8pp | 74.3%-14.3pp | 80.3%-20.3pp |
| Annual return | 32.58% | 38.48%-5.9pp | 35.74%-3.2pp | 373.84%-341.3pp |
| Employer contribution / active EE | $2,886 | $4,107-29.7% | $3,740-22.8% | $4,755-39.3% |
| Participant deferral / active EE | $5,705 | $5,457+4.6% | $4,880+16.9% | $6,713-15.0% |
| Admin fee / account holder | $1,030 | $7,888-86.9% | $6,737-84.7% | $11,407-91.0% |