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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 | $549,156 | $162,136+238.7% | $152,301+260.6% | $154,746+254.9% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 21.24% | 91.02%-69.8pp | 80.50%-59.3pp | 172.34%-151.1pp |
| Employer contribution / active EE | $1,498 | $4,890-69.4% | $4,624-67.6% | $4,379-65.8% |
| Participant deferral / active EE | $6,330 | $8,341-24.1% | $8,004-20.9% | $6,730-6.0% |
| Admin fee / account holder | $15,637 | $15,759-0.8% | $14,398+8.6% | $14,365+8.9% |