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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 | $911,988 | $212,386+329.4% | $199,883+356.3% | $138,895+556.6% |
| Participation rate | 64.3% | 87.4%-23.1pp | 86.8%-22.5pp | 79.9%-15.6pp |
| Annual return | 15.84% | 47.75%-31.9pp | 43.81%-28.0pp | 145.39%-129.6pp |
| Employer contribution / active EE | $13,990 | $6,625+111.2% | $6,261+123.4% | $4,194+233.5% |
| Participant deferral / active EE | $18,211 | $9,617+89.4% | $9,138+99.3% | $6,396+184.7% |
| Admin fee / account holder | $3,530 | $18,233-80.6% | $17,268-79.6% | $12,562-71.9% |