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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 | $494,816 | $100,970+390.1% | $96,576+412.4% | $137,256+260.5% |
| Participation rate | 33.3% | 82.6%-49.3pp | 81.4%-48.1pp | 80.0%-46.6pp |
| Annual return | 18.35% | 38.16%-19.8pp | 38.47%-20.1pp | 220.34%-202.0pp |
| Employer contribution / active EE | $1,000 | $3,809-73.7% | $3,553-71.9% | $4,156-75.9% |
| Participant deferral / active EE | $7,833 | $8,286-5.5% | $7,956-1.5% | $6,407+22.3% |
| Admin fee / account holder | $520 | $11,312-95.4% | $11,381-95.4% | $12,270-95.8% |