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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 | $651,967 | $199,109+227.4% | $173,730+275.3% | $154,746+321.3% |
| Participation rate | 36.4% | 82.8%-46.4pp | 79.6%-43.2pp | 80.7%-44.3pp |
| Annual return | 13.42% | 20.02%-6.6pp | 19.96%-6.5pp | 172.34%-158.9pp |
| Employer contribution / active EE | $1,252 | $5,311-76.4% | $4,577-72.6% | $4,379-71.4% |
| Participant deferral / active EE | $3,236 | $7,113-54.5% | $6,326-48.8% | $6,730-51.9% |
| Admin fee / account holder | $51,150 | $20,916+144.5% | $17,523+191.9% | $14,365+256.1% |