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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 | $607,065 | $166,242+265.2% | $165,071+267.8% | $145,884+316.1% |
| Participation rate | 36.4% | 82.0%-45.7pp | 78.6%-42.3pp | 80.3%-43.9pp |
| Annual return | 15.72% | 100.44%-84.7pp | 70.17%-54.5pp | 551.85%-536.1pp |
| Employer contribution / active EE | $1,129 | $5,283-78.6% | $4,347-74.0% | $4,662-75.8% |
| Participant deferral / active EE | $4,074 | $6,964-41.5% | $6,035-32.5% | $6,690-39.1% |
| Admin fee / account holder | $13,184 | $16,658-20.9% | $12,695+3.9% | $13,392-1.6% |