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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 | $514,968 | $56,544+810.7% | $75,501+582.1% | $70,126+634.3% |
| Participation rate | 63.6% | 68.1%-4.5pp | 72.4%-8.7pp | 69.5%-5.9pp |
| Annual return | 16.11% | 23.59%-7.5pp | 27.35%-11.2pp | 73.15%-57.0pp |
| Employer contribution / active EE | $9,394 | $1,817+417.1% | $2,352+299.4% | $2,343+301.0% |
| Participant deferral / active EE | $3,132 | $2,580+21.4% | $3,142-0.3% | $3,332-6.0% |
| Admin fee / account holder | $15,743 | $3,827+311.4% | $5,801+171.4% | $4,645+238.9% |