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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 | $655,758 | $86,330+659.6% | $121,871+438.1% | $94,015+597.5% |
| Participation rate | 8.3% | 66.7%-58.3pp | 73.2%-64.9pp | 70.8%-62.5pp |
| Annual return | 15.02% | 14.95%+0.1pp | 13.57%+1.5pp | 17.84%-2.8pp |
| Employer contribution / active EE | $4,813 | $2,292+110.0% | $2,731+76.2% | $2,790+72.5% |
| Participant deferral / active EE | $4,816 | $3,146+53.1% | $4,318+11.5% | $4,249+13.3% |
| Admin fee / account holder | $102,119 | $7,346+1290.1% | $11,551+784.1% | $8,951+1040.8% |