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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 | $609,122 | $162,136+275.7% | $152,301+299.9% | $154,746+293.6% |
| Participation rate | 69.2% | 84.1%-14.9pp | 82.4%-13.2pp | 80.7%-11.5pp |
| Annual return | 12.96% | 91.02%-78.1pp | 80.50%-67.5pp | 172.34%-159.4pp |
| Employer contribution / active EE | $3,556 | $4,890-27.3% | $4,624-23.1% | $4,379-18.8% |
| Participant deferral / active EE | $8,694 | $8,341+4.2% | $8,004+8.6% | $6,730+29.2% |
| Admin fee / account holder | $47,361 | $15,759+200.5% | $14,398+228.9% | $14,365+229.7% |