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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 | $675,842 | $176,786+282.3% | $146,643+360.9% | $167,536+303.4% |
| Participation rate | 66.7% | 83.6%-17.0pp | 80.1%-13.4pp | 82.1%-15.4pp |
| Annual return | 15.21% | 24.04%-8.8pp | 22.75%-7.5pp | 478.82%-463.6pp |
| Employer contribution / active EE | $9,067 | $5,161+75.7% | $4,137+119.2% | $4,839+87.4% |
| Participant deferral / active EE | $13,000 | $6,440+101.9% | $5,506+136.1% | $6,342+105.0% |
| Admin fee / account holder | $11,583 | $13,262-12.7% | $10,280+12.7% | $12,315-5.9% |