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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 | $510,372 | $110,410+362.3% | $102,437+398.2% | $145,897+249.8% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.7pp | 80.3%-37.4pp |
| Annual return | 9.96% | 24.85%-14.9pp | 24.95%-15.0pp | 552.29%-542.3pp |
| Employer contribution / active EE | $3,081 | $4,217-26.9% | $3,871-20.4% | $4,663-33.9% |
| Participant deferral / active EE | $9,309 | $5,622+65.6% | $5,060+84.0% | $6,689+39.2% |
| Admin fee / account holder | $2,464 | $9,745-74.7% | $8,388-70.6% | $13,390-81.6% |