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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 | $457,104 | $162,136+181.9% | $152,301+200.1% | $154,746+195.4% |
| Participation rate | 69.6% | 84.1%-14.5pp | 82.4%-12.9pp | 80.7%-11.1pp |
| Annual return | 15.26% | 91.02%-75.8pp | 80.50%-65.2pp | 172.34%-157.1pp |
| Employer contribution / active EE | $1,560 | $4,890-68.1% | $4,624-66.3% | $4,379-64.4% |
| Participant deferral / active EE | $5,669 | $8,341-32.0% | $8,004-29.2% | $6,730-15.8% |
| Admin fee / account holder | $27,491 | $15,759+74.4% | $14,398+90.9% | $14,365+91.4% |