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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 | $588,625 | $112,933+421.2% | $90,970+547.1% | $158,982+270.2% |
| Participation rate | 66.7% | 74.7%-8.1pp | 69.0%-2.3pp | 82.0%-15.3pp |
| Annual return | 21.73% | 215.82%-194.1pp | 134.60%-112.9pp | 302.99%-281.3pp |
| Employer contribution / active EE | $2,519 | $2,893-13.0% | $2,122+18.7% | $4,763-47.1% |
| Participant deferral / active EE | $6,661 | $4,128+61.4% | $3,373+97.5% | $5,983+11.3% |
| Admin fee / account holder | $5,431 | $8,047-32.5% | $5,961-8.9% | $11,252-51.7% |