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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 | $603,064 | $140,592+328.9% | $123,105+389.9% | $125,389+381.0% |
| Participation rate | 60.0% | 88.2%-28.2pp | 86.8%-26.8pp | 83.2%-23.2pp |
| Annual return | 0.76% | 16.80%-16.0pp | 13.22%-12.5pp | 282.24%-281.5pp |
| Employer contribution / active EE | $9,325 | $6,041+54.4% | $5,151+81.0% | $4,866+91.6% |
| Participant deferral / active EE | $7,598 | $6,980+8.9% | $6,229+22.0% | $5,352+42.0% |
| Admin fee / account holder | $19,661 | $11,198+75.6% | $9,014+118.1% | $9,541+106.1% |