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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 | $108,882+575.5% | $96,754+660.2% | $154,746+375.3% |
| Participation rate | 33.3% | 75.1%-41.7pp | 70.3%-36.9pp | 80.7%-47.4pp |
| Annual return | 15.59% | 98.39%-82.8pp | 82.04%-66.4pp | 172.34%-156.7pp |
| Employer contribution / active EE | $3,162 | $3,018+4.8% | $2,679+18.0% | $4,379-27.8% |
| Participant deferral / active EE | $10,333 | $5,323+94.1% | $4,758+117.2% | $6,730+53.5% |
| Admin fee / account holder | $7,820 | $10,200-23.3% | $8,905-12.2% | $14,365-45.6% |