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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 | $514,525 | $183,516+180.4% | $155,534+230.8% | $145,884+252.7% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 22.63% | 61.43%-38.8pp | 64.92%-42.3pp | 551.85%-529.2pp |
| Employer contribution / active EE | $1,800 | $5,315-66.1% | $4,675-61.5% | $4,662-61.4% |
| Participant deferral / active EE | $7,107 | $6,467+9.9% | $5,630+26.2% | $6,690+6.2% |
| Admin fee / account holder | $4,028 | $19,293-79.1% | $15,900-74.7% | $13,392-69.9% |