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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 | $398,411 | $60,139+562.5% | $90,461+340.4% | $79,856+398.9% |
| Participation rate | 67.5% | 65.0%+2.5pp | 72.7%-5.2pp | 69.6%-2.1pp |
| Annual return | 12.42% | 71.96%-59.5pp | 1294.76%-1282.3pp | 31.71%-19.3pp |
| Employer contribution / active EE | $1,486 | $2,069-28.2% | $3,264-54.5% | $2,471-39.9% |
| Participant deferral / active EE | $6,774 | $2,939+130.5% | $3,964+70.9% | $3,741+81.1% |
| Admin fee / account holder | $70,232 | $3,978+1665.4% | $5,617+1150.4% | $5,306+1223.5% |