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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 | $576,912 | $112,729+411.8% | $98,716+484.4% | $137,256+320.3% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.3%-2.6pp | 80.0%-13.3pp |
| Annual return | 18.89% | 38.48%-19.6pp | 31.81%-12.9pp | 220.34%-201.4pp |
| Employer contribution / active EE | $36,093 | $2,725+1224.4% | $2,279+1484.0% | $4,156+768.5% |
| Participant deferral / active EE | $15,667 | $4,640+237.6% | $4,048+287.1% | $6,407+144.5% |
| Admin fee / account holder | $1,730 | $10,129-82.9% | $8,703-80.1% | $12,270-85.9% |