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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 | $557,899 | $162,821+242.6% | $133,978+316.4% | $158,982+250.9% |
| Participation rate | 50.0% | 83.2%-33.2pp | 79.8%-29.8pp | 82.0%-32.0pp |
| Annual return | 18.91% | 41.95%-23.0pp | 45.10%-26.2pp | 302.99%-284.1pp |
| Employer contribution / active EE | $6,780 | $4,976+36.2% | $3,919+73.0% | $4,763+42.4% |
| Participant deferral / active EE | $9,750 | $5,910+65.0% | $5,047+93.2% | $5,983+62.9% |
| Admin fee / account holder | $6,252 | $11,742-46.8% | $8,930-30.0% | $11,252-44.4% |