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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 | $223,823+100.5% | $211,142+112.5% | $154,746+190.0% |
| Participation rate | 47.4% | 87.9%-40.5pp | 87.3%-39.9pp | 80.7%-33.3pp |
| Annual return | 13.59% | 50.39%-36.8pp | 46.84%-33.2pp | 172.34%-158.7pp |
| Employer contribution / active EE | $12,220 | $6,787+80.1% | $6,442+89.7% | $4,379+179.1% |
| Participant deferral / active EE | $22,565 | $9,750+131.4% | $9,284+143.1% | $6,730+235.3% |
| Admin fee / account holder | $96,773 | $19,707+391.1% | $19,076+407.3% | $14,365+573.7% |