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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 | $634,862 | $111,878+467.5% | $93,727+577.4% | $145,897+335.1% |
| Participation rate | 61.1% | 74.2%-13.1pp | 68.7%-7.6pp | 80.3%-19.2pp |
| Annual return | 28.93% | 204.28%-175.3pp | 133.83%-104.9pp | 552.29%-523.4pp |
| Employer contribution / active EE | $2,283 | $3,092-26.2% | $2,421-5.7% | $4,663-51.0% |
| Participant deferral / active EE | $8,986 | $4,920+82.6% | $4,417+103.4% | $6,689+34.3% |
| Admin fee / account holder | $235,123 | $10,256+2192.4% | $8,292+2735.7% | $13,390+1655.9% |