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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 | $448,332 | $149,040+200.8% | $120,225+272.9% | $137,256+226.6% |
| Participation rate | 61.1% | 75.4%-14.3pp | 69.6%-8.5pp | 80.0%-18.8pp |
| Annual return | 12.61% | 605.68%-593.1pp | 439.23%-426.6pp | 220.34%-207.7pp |
| Employer contribution / active EE | $2,099 | $4,350-51.7% | $3,475-39.6% | $4,156-49.5% |
| Participant deferral / active EE | $4,908 | $4,655+5.4% | $3,999+22.7% | $6,407-23.4% |
| Admin fee / account holder | $2,585 | $6,348-59.3% | $5,696-54.6% | $12,270-78.9% |