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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 | $756,206 | $112,729+570.8% | $98,716+666.0% | $137,256+450.9% |
| Participation rate | 33.3% | 74.2%-40.9pp | 69.3%-36.0pp | 80.0%-46.6pp |
| Annual return | 11.34% | 38.48%-27.1pp | 31.81%-20.5pp | 220.34%-209.0pp |
| Employer contribution / active EE | $1,494 | $2,725-45.2% | $2,279-34.4% | $4,156-64.0% |
| Participant deferral / active EE | $2,748 | $4,640-40.8% | $4,048-32.1% | $6,407-57.1% |
| Admin fee / account holder | $9,247 | $10,129-8.7% | $8,703+6.3% | $12,270-24.6% |