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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 | $1,196,273 | $185,312+545.5% | $161,489+640.8% | $154,746+673.1% |
| Participation rate | 33.3% | 82.5%-49.1pp | 78.7%-45.4pp | 80.7%-47.4pp |
| Annual return | 15.20% | 103.84%-88.6pp | 89.72%-74.5pp | 172.34%-157.1pp |
| Employer contribution / active EE | $1,476 | $4,769-69.1% | $4,268-65.4% | $4,379-66.3% |
| Participant deferral / active EE | $9,936 | $6,350+56.5% | $5,630+76.5% | $6,730+47.6% |
| Admin fee / account holder | $7,490 | $18,654-59.8% | $16,006-53.2% | $14,365-47.9% |