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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 | $178,174+265.9% | $156,181+317.4% | $137,256+375.0% |
| Participation rate | 36.4% | 82.0%-45.7pp | 78.8%-42.5pp | 80.0%-43.6pp |
| Annual return | 13.42% | 84.19%-70.8pp | 64.87%-51.5pp | 220.34%-206.9pp |
| Employer contribution / active EE | $1,252 | $4,972-74.8% | $4,294-70.8% | $4,156-69.9% |
| Participant deferral / active EE | $3,236 | $6,888-53.0% | $6,132-47.2% | $6,407-49.5% |
| Admin fee / account holder | $51,150 | $17,404+193.9% | $14,586+250.7% | $12,270+316.9% |