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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 | $498,524 | $208,088+139.6% | $186,193+167.7% | $154,746+222.2% |
| Participation rate | 60.0% | 80.0%-20.0pp | 77.1%-17.1pp | 80.7%-20.7pp |
| Annual return | 14.22% | 89.97%-75.8pp | 78.03%-63.8pp | 172.34%-158.1pp |
| Employer contribution / active EE | $17,597 | $4,340+305.5% | $3,918+349.1% | $4,379+301.8% |
| Participant deferral / active EE | $7,083 | $7,078+0.1% | $6,513+8.8% | $6,730+5.2% |
| Admin fee / account holder | $6,298 | $11,698-46.2% | $11,058-43.0% | $14,365-56.2% |