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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 | $396,862 | $79,449+399.5% | $189,575+109.3% | $85,847+362.3% |
| Participation rate | 61.5% | 66.0%-4.4pp | 78.4%-16.9pp | 69.3%-7.8pp |
| Annual return | 16.66% | 18.45%-1.8pp | 64.19%-47.5pp | 318.61%-302.0pp |
| Employer contribution / active EE | $1,916 | $2,081-7.9% | $4,412-56.6% | $2,565-25.3% |
| Participant deferral / active EE | $11,882 | $4,051+193.3% | $6,174+92.5% | $3,952+200.6% |
| Admin fee / account holder | $12,349 | $5,377+129.7% | $9,806+25.9% | $6,261+97.2% |