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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 | $183,627+180.2% | $155,602+230.7% | $145,978+252.5% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 22.63% | 61.32%-38.7pp | 64.81%-42.2pp | 550.52%-527.9pp |
| Employer contribution / active EE | $1,800 | $5,316-66.1% | $4,675-61.5% | $4,662-61.4% |
| Participant deferral / active EE | $7,107 | $6,466+9.9% | $5,629+26.3% | $6,690+6.2% |
| Admin fee / account holder | $4,028 | $19,327-79.2% | $15,923-74.7% | $13,400-69.9% |