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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 | $99,053+556.3% | $88,179+637.2% | $138,895+368.0% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.1%-2.5pp | 79.9%-13.3pp |
| Annual return | 13.99% | 78.17%-64.2pp | 64.97%-51.0pp | 145.39%-131.4pp |
| Employer contribution / active EE | $5,041 | $2,882+74.9% | $2,549+97.7% | $4,194+20.2% |
| Participant deferral / active EE | $10,333 | $5,225+97.8% | $4,614+124.0% | $6,396+61.6% |
| Admin fee / account holder | $7,413 | $8,748-15.3% | $7,673-3.4% | $12,562-41.0% |