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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 | $503,345 | $132,634+279.5% | $115,768+334.8% | $137,256+266.7% |
| Participation rate | 62.5% | 77.9%-15.4pp | 74.4%-11.9pp | 80.0%-17.5pp |
| Annual return | 16.12% | 160.70%-144.6pp | 100.46%-84.3pp | 220.34%-204.2pp |
| Employer contribution / active EE | $2,176 | $3,360-35.2% | $2,940-26.0% | $4,156-47.6% |
| Participant deferral / active EE | $8,965 | $5,619+59.6% | $4,917+82.3% | $6,407+39.9% |
| Admin fee / account holder | $2,899 | $15,028-80.7% | $12,439-76.7% | $12,270-76.4% |