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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 | $1,378,292 | $183,592+650.7% | $155,574+785.9% | $145,877+844.8% |
| Participation rate | 63.6% | 82.7%-19.1pp | 78.2%-14.6pp | 80.3%-16.7pp |
| Annual return | 21.62% | 61.37%-39.8pp | 64.87%-43.2pp | 551.28%-529.7pp |
| Employer contribution / active EE | $17,251 | $5,317+224.5% | $4,676+268.9% | $4,663+270.0% |
| Participant deferral / active EE | $13,439 | $6,466+107.8% | $5,629+138.7% | $6,691+100.9% |
| Admin fee / account holder | $21,491 | $19,316+11.3% | $15,914+35.0% | $13,402+60.4% |