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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 | $600,440 | $227,399+164.0% | $189,758+216.4% | $198,609+202.3% |
| Participation rate | 57.1% | 84.0%-26.9pp | 79.8%-22.7pp | 82.4%-25.2pp |
| Annual return | 12.78% | 61.03%-48.3pp | 52.62%-39.8pp | 202.70%-189.9pp |
| Employer contribution / active EE | $2,042 | $5,526-63.0% | $4,767-57.2% | $5,055-59.6% |
| Participant deferral / active EE | $6,734 | $6,837-1.5% | $5,856+15.0% | $6,977-3.5% |
| Admin fee / account holder | $1,952 | $25,162-92.2% | $20,388-90.4% | $19,030-89.7% |