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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 | $306,756 | $125,190+145.0% | $105,624+190.4% | $145,897+110.3% |
| Participation rate | 66.7% | 77.6%-11.0pp | 75.3%-8.6pp | 80.3%-13.6pp |
| Annual return | 8.41% | 225.22%-216.8pp | 116.20%-107.8pp | 552.29%-543.9pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,168-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $9,341 | $5,716+63.4% | $5,013+86.3% | $6,689+39.6% |
| Admin fee / account holder | $9,548 | $17,138-44.3% | $10,961-12.9% | $13,390-28.7% |