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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 | $651,746 | $201,344+223.7% | $184,243+253.7% | $145,877+346.8% |
| Participation rate | 55.6% | 87.5%-31.9pp | 86.8%-31.3pp | 80.3%-24.7pp |
| Annual return | 11.87% | 29.01%-17.1pp | 28.82%-17.0pp | 551.28%-539.4pp |
| Employer contribution / active EE | $2,885 | $7,022-58.9% | $6,427-55.1% | $4,663-38.1% |
| Participant deferral / active EE | $9,078 | $9,807-7.4% | $9,132-0.6% | $6,691+35.7% |
| Admin fee / account holder | $641 | $16,382-96.1% | $13,914-95.4% | $13,402-95.2% |