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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 | $338,385 | $77,817+334.8% | $123,553+173.9% | $64,173+427.3% |
| Participation rate | 67.7% | 74.7%-7.0pp | 82.3%-14.6pp | 69.6%-1.8pp |
| Annual return | 10.44% | 12.49%-2.0pp | 119.21%-108.8pp | 7.63%+2.8pp |
| Employer contribution / active EE | $18,785 | $3,014+523.2% | $4,628+305.9% | $2,381+689.0% |
| Participant deferral / active EE | $0 | $5,240-100.0% | $6,426-100.0% | $3,470-100.0% |
| Admin fee / account holder | $2,414 | $5,519-56.3% | $9,284-74.0% | $4,887-50.6% |