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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 | $297,380 | $157,304+89.0% | $141,197+110.6% | $152,909+94.5% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 22.38% | 64.34%-42.0pp | 71.41%-49.0pp | 345.46%-323.1pp |
| Employer contribution / active EE | $11,000 | $5,263+109.0% | $4,736+132.3% | $4,764+130.9% |
| Participant deferral / active EE | $3,333 | $7,111-53.1% | $6,710-50.3% | $5,851-43.0% |
| Admin fee / account holder | $2,256 | $12,126-81.4% | $10,265-78.0% | $11,601-80.6% |