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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 | $930,624 | $211,224+340.6% | $178,505+421.3% | $145,897+537.9% |
| Participation rate | 60.0% | 80.8%-20.8pp | 77.1%-17.1pp | 80.3%-20.3pp |
| Annual return | 10.54% | 30.28%-19.7pp | 27.16%-16.6pp | 552.29%-541.8pp |
| Employer contribution / active EE | $1,101 | $4,577-75.9% | $3,955-72.2% | $4,663-76.4% |
| Participant deferral / active EE | $12,425 | $6,966+78.4% | $6,280+97.8% | $6,689+85.7% |
| Admin fee / account holder | $7,610 | $12,109-37.2% | $10,428-27.0% | $13,390-43.2% |