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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 | $621,249 | $154,228+302.8% | $145,433+327.2% | $137,256+352.6% |
| Participation rate | 28.6% | 83.8%-55.2pp | 82.1%-53.5pp | 80.0%-51.4pp |
| Annual return | 17.64% | 74.59%-56.9pp | 66.58%-48.9pp | 220.34%-202.7pp |
| Employer contribution / active EE | $1,189 | $4,804-75.3% | $4,554-73.9% | $4,156-71.4% |
| Participant deferral / active EE | $3,357 | $8,216-59.1% | $7,897-57.5% | $6,407-47.6% |
| Admin fee / account holder | $333 | $14,344-97.7% | $13,129-97.5% | $12,270-97.3% |