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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 | $343,786 | $167,030+105.8% | $135,768+153.2% | $155,188+121.5% |
| Participation rate | 57.1% | 76.2%-19.0pp | 71.1%-13.9pp | 80.8%-23.7pp |
| Annual return | 17.09% | 678.39%-661.3pp | 526.10%-509.0pp | 148.84%-131.7pp |
| Employer contribution / active EE | $3,077 | $4,132-25.5% | $3,394-9.3% | $4,248-27.6% |
| Participant deferral / active EE | $5,067 | $4,528+11.9% | $3,977+27.4% | $6,531-22.4% |
| Admin fee / account holder | $8,809 | $8,172+7.8% | $7,048+25.0% | $14,480-39.2% |