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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 | $201,370+223.7% | $184,256+253.7% | $145,897+346.7% |
| Participation rate | 55.6% | 87.5%-31.9pp | 86.8%-31.3pp | 80.3%-24.8pp |
| Annual return | 11.87% | 29.05%-17.2pp | 28.85%-17.0pp | 552.29%-540.4pp |
| Employer contribution / active EE | $2,885 | $7,024-58.9% | $6,427-55.1% | $4,663-38.1% |
| Participant deferral / active EE | $9,078 | $9,808-7.4% | $9,133-0.6% | $6,689+35.7% |
| Admin fee / account holder | $641 | $16,364-96.1% | $13,899-95.4% | $13,390-95.2% |