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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 | $655,963 | $104,709+526.5% | $85,705+665.4% | $167,553+291.5% |
| Participation rate | 41.2% | 76.4%-35.2pp | 69.9%-28.7pp | 82.1%-40.9pp |
| Annual return | 18.08% | 21.45%-3.4pp | 21.49%-3.4pp | 478.89%-460.8pp |
| Employer contribution / active EE | $1,439 | $3,338-56.9% | $2,619-45.1% | $4,840-70.3% |
| Participant deferral / active EE | $8,334 | $4,827+72.7% | $3,924+112.4% | $6,343+31.4% |
| Admin fee / account holder | $2,749 | $10,036-72.6% | $6,877-60.0% | $12,316-77.7% |