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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 | $638,877 | $81,276+686.1% | $155,574+310.7% | $80,925+689.5% |
| Participation rate | 65.8% | 66.2%-0.5pp | 78.2%-12.4pp | 67.7%-1.9pp |
| Annual return | 11.93% | 33.36%-21.4pp | 64.87%-52.9pp | 35.65%-23.7pp |
| Employer contribution / active EE | $44,996 | $3,103+1350.1% | $4,676+862.3% | $2,756+1532.5% |
| Participant deferral / active EE | $23,139 | $3,453+570.1% | $5,629+311.0% | $4,299+438.3% |
| Admin fee / account holder | $143,169 | $7,993+1691.1% | $15,914+799.6% | $6,940+1962.9% |