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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 | $156,398+251.1% | $147,318+272.8% | $138,895+295.4% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.1%-32.1pp | 79.9%-29.9pp |
| Annual return | 21.24% | 78.75%-57.5pp | 70.43%-49.2pp | 145.39%-124.1pp |
| Employer contribution / active EE | $1,498 | $4,853-69.1% | $4,593-67.4% | $4,194-64.3% |
| Participant deferral / active EE | $6,330 | $8,237-23.2% | $7,906-19.9% | $6,396-1.0% |
| Admin fee / account holder | $15,637 | $14,976+4.4% | $13,708+14.1% | $12,562+24.5% |