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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 | $650,064 | $97,125+569.3% | $86,233+653.8% | $137,256+373.6% |
| Participation rate | 66.7% | 74.2%-7.5pp | 69.0%-2.4pp | 80.0%-13.3pp |
| Annual return | 13.99% | 74.19%-60.2pp | 61.39%-47.4pp | 220.34%-206.4pp |
| Employer contribution / active EE | $5,041 | $2,841+77.4% | $2,504+101.3% | $4,156+21.3% |
| Participant deferral / active EE | $10,333 | $5,180+99.5% | $4,559+126.7% | $6,407+61.3% |
| Admin fee / account holder | $7,413 | $9,725-23.8% | $8,342-11.1% | $12,270-39.6% |