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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 | $75,720+766.0% | $90,312+626.1% | $86,983+653.9% |
| Participation rate | 8.3% | 66.3%-57.9pp | 72.9%-64.6pp | 69.5%-61.2pp |
| Annual return | 15.02% | 18.55%-3.5pp | 18.90%-3.9pp | 25.83%-10.8pp |
| Employer contribution / active EE | $4,813 | $1,945+147.4% | $2,243+114.6% | $2,584+86.2% |
| Participant deferral / active EE | $4,816 | $3,001+60.5% | $3,749+28.5% | $4,194+14.8% |
| Admin fee / account holder | $102,119 | $6,201+1546.9% | $8,248+1138.2% | $7,856+1199.9% |