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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 | $788,909 | $136,860+476.4% | $120,344+555.5% | $154,746+409.8% |
| Participation rate | 33.3% | 79.9%-46.6pp | 76.7%-43.4pp | 80.7%-47.4pp |
| Annual return | 27.31% | 21.38%+5.9pp | 20.30%+7.0pp | 172.34%-145.0pp |
| Employer contribution / active EE | $874 | $3,533-75.3% | $3,020-71.1% | $4,379-80.0% |
| Participant deferral / active EE | $2,203 | $5,793-62.0% | $5,135-57.1% | $6,730-67.3% |
| Admin fee / account holder | $32,107 | $15,393+108.6% | $12,742+152.0% | $14,365+123.5% |