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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 | $660,047 | $110,379+498.0% | $102,412+544.5% | $145,884+352.4% |
| Participation rate | 63.6% | 77.9%-14.3pp | 74.5%-10.9pp | 80.3%-16.7pp |
| Annual return | 13.01% | 24.84%-11.8pp | 24.94%-11.9pp | 551.85%-538.8pp |
| Employer contribution / active EE | $9,771 | $4,216+131.7% | $3,870+152.5% | $4,662+109.6% |
| Participant deferral / active EE | $5,219 | $5,622-7.2% | $5,060+3.1% | $6,690-22.0% |
| Admin fee / account holder | $40,007 | $9,745+310.5% | $8,388+377.0% | $13,392+198.7% |