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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 | $487,008 | $184,014+164.7% | $161,149+202.2% | $138,895+250.6% |
| Participation rate | 57.1% | 82.1%-24.9pp | 78.8%-21.7pp | 79.9%-22.8pp |
| Annual return | 14.10% | 21.52%-7.4pp | 21.16%-7.1pp | 145.39%-131.3pp |
| Employer contribution / active EE | $19,074 | $5,055+277.3% | $4,360+337.5% | $4,194+354.8% |
| Participant deferral / active EE | $17,709 | $6,909+156.3% | $6,153+187.8% | $6,396+176.9% |
| Admin fee / account holder | $12,332 | $18,027-31.6% | $15,194-18.8% | $12,562-1.8% |