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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 | $735,495 | $99,053+642.5% | $88,179+734.1% | $138,895+429.5% |
| Participation rate | 33.3% | 74.2%-40.9pp | 69.1%-35.8pp | 79.9%-46.6pp |
| Annual return | 15.59% | 78.17%-62.6pp | 64.97%-49.4pp | 145.39%-129.8pp |
| Employer contribution / active EE | $3,162 | $2,882+9.7% | $2,549+24.0% | $4,194-24.6% |
| Participant deferral / active EE | $10,333 | $5,225+97.8% | $4,614+124.0% | $6,396+61.6% |
| Admin fee / account holder | $7,820 | $8,748-10.6% | $7,673+1.9% | $12,562-37.7% |