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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 | $821,142 | $215,361+281.3% | $171,082+380.0% | $273,972+199.7% |
| Participation rate | 18.2% | 82.0%-63.8pp | 76.7%-58.5pp | 83.0%-64.8pp |
| Annual return | 6.44% | 25.14%-18.7pp | 32.56%-26.1pp | 41.46%-35.0pp |
| Employer contribution / active EE | $2,614 | $4,967-47.4% | $4,002-34.7% | $4,869-46.3% |
| Participant deferral / active EE | $8,502 | $5,543+53.4% | $4,797+77.2% | $5,287+60.8% |
| Admin fee / account holder | $142,451 | $10,846+1213.4% | $8,520+1572.0% | $10,133+1305.9% |