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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 | $862,217 | $112,729+664.9% | $98,716+773.4% | $137,256+528.2% |
| Participation rate | 64.3% | 74.2%-9.9pp | 69.3%-5.0pp | 80.0%-15.7pp |
| Annual return | 25.53% | 38.48%-12.9pp | 31.81%-6.3pp | 220.34%-194.8pp |
| Employer contribution / active EE | $2,850 | $2,725+4.6% | $2,279+25.1% | $4,156-31.4% |
| Participant deferral / active EE | $12,147 | $4,640+161.8% | $4,048+200.1% | $6,407+89.6% |
| Admin fee / account holder | $2,186 | $10,129-78.4% | $8,703-74.9% | $12,270-82.2% |