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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 | $495,072 | $213,785+131.6% | $185,441+167.0% | $155,188+219.0% |
| Participation rate | 50.0% | 83.2%-33.2pp | 80.3%-30.3pp | 80.8%-30.8pp |
| Annual return | 13.15% | 19.97%-6.8pp | 20.16%-7.0pp | 148.84%-135.7pp |
| Employer contribution / active EE | $19,934 | $5,393+269.6% | $4,672+326.6% | $4,248+369.3% |
| Participant deferral / active EE | $5,950 | $6,864-13.3% | $6,152-3.3% | $6,531-8.9% |
| Admin fee / account holder | $14,971 | $21,134-29.2% | $17,890-16.3% | $14,480+3.4% |