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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 | $448,755 | $209,336+114.4% | $197,124+127.7% | $137,256+226.9% |
| Participation rate | 47.4% | 87.3%-39.9pp | 86.7%-39.3pp | 80.0%-32.6pp |
| Annual return | 13.59% | 48.09%-34.5pp | 44.34%-30.8pp | 220.34%-206.8pp |
| Employer contribution / active EE | $12,220 | $6,591+85.4% | $6,227+96.2% | $4,156+194.0% |
| Participant deferral / active EE | $22,565 | $9,614+134.7% | $9,135+147.0% | $6,407+252.2% |
| Admin fee / account holder | $96,773 | $17,308+459.1% | $16,298+493.8% | $12,270+688.7% |