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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 | $201,372+223.7% | $184,260+253.7% | $145,884+346.8% |
| Participation rate | 55.6% | 87.5%-31.9pp | 86.8%-31.3pp | 80.3%-24.7pp |
| Annual return | 11.87% | 29.04%-17.2pp | 28.84%-17.0pp | 551.85%-540.0pp |
| Employer contribution / active EE | $2,885 | $7,024-58.9% | $6,427-55.1% | $4,662-38.1% |
| Participant deferral / active EE | $9,078 | $9,808-7.4% | $9,133-0.6% | $6,690+35.7% |
| Admin fee / account holder | $641 | $16,362-96.1% | $13,898-95.4% | $13,392-95.2% |