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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 | $575,854 | $185,312+210.7% | $161,489+256.6% | $154,746+272.1% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 15.10% | 103.84%-88.7pp | 89.72%-74.6pp | 172.34%-157.2pp |
| Employer contribution / active EE | $1,423 | $4,769-70.2% | $4,268-66.7% | $4,379-67.5% |
| Participant deferral / active EE | $12,067 | $6,350+90.0% | $5,630+114.3% | $6,730+79.3% |
| Admin fee / account holder | $7,215 | $18,654-61.3% | $16,006-54.9% | $14,365-49.8% |