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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 | $603,904 | $181,896+232.0% | $156,551+285.8% | $273,972+120.4% |
| Participation rate | 11.1% | 88.4%-77.3pp | 84.0%-72.9pp | 83.0%-71.9pp |
| Annual return | 9.04% | 30.74%-21.7pp | 32.23%-23.2pp | 41.46%-32.4pp |
| Employer contribution / active EE | $6,729 | $6,248+7.7% | $5,501+22.3% | $4,869+38.2% |
| Participant deferral / active EE | $4,737 | $5,550-14.7% | $4,871-2.8% | $5,287-10.4% |
| Admin fee / account holder | $37,764 | $15,560+142.7% | $13,028+189.9% | $10,133+272.7% |