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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 | $72,607+803.2% | $90,259+626.5% | $87,485+649.6% |
| Participation rate | 8.3% | 64.8%-56.5pp | 70.7%-62.4pp | 68.9%-60.6pp |
| Annual return | 15.02% | 18.59%-3.6pp | 18.88%-3.9pp | 26.06%-11.0pp |
| Employer contribution / active EE | $4,813 | $1,919+150.8% | $2,291+110.1% | $2,596+85.4% |
| Participant deferral / active EE | $4,816 | $3,055+57.6% | $3,827+25.8% | $4,274+12.7% |
| Admin fee / account holder | $102,119 | $5,947+1617.2% | $7,267+1305.2% | $7,775+1213.5% |