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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 | $488,859 | $166,242+194.1% | $165,071+196.2% | $145,884+235.1% |
| Participation rate | 63.6% | 82.0%-18.4pp | 78.6%-15.0pp | 80.3%-16.7pp |
| Annual return | 11.30% | 100.44%-89.1pp | 70.17%-58.9pp | 551.85%-540.6pp |
| Employer contribution / active EE | $6,162 | $5,283+16.6% | $4,347+41.7% | $4,662+32.2% |
| Participant deferral / active EE | $5,123 | $6,964-26.4% | $6,035-15.1% | $6,690-23.4% |
| Admin fee / account holder | $16,560 | $16,658-0.6% | $12,695+30.4% | $13,392+23.7% |