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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 | $588,401 | $165,399+255.7% | $149,745+292.9% | $158,982+270.1% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 14.12% | 348.34%-334.2pp | 276.72%-262.6pp | 302.99%-288.9pp |
| Employer contribution / active EE | $3,069 | $5,105-39.9% | $4,646-33.9% | $4,763-35.6% |
| Participant deferral / active EE | $6,944 | $7,183-3.3% | $6,843+1.5% | $5,983+16.1% |
| Admin fee / account holder | $1,635 | $10,811-84.9% | $9,312-82.4% | $11,252-85.5% |