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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 | $3,078,516 | $185,312+1561.3% | $161,489+1806.3% | $154,746+1889.4% |
| Participation rate | 62.5% | 82.5%-20.0pp | 78.7%-16.2pp | 80.7%-18.2pp |
| Annual return | 22.99% | 103.84%-80.9pp | 89.72%-66.7pp | 172.34%-149.3pp |
| Employer contribution / active EE | $27,500 | $4,769+476.6% | $4,268+544.3% | $4,379+528.0% |
| Participant deferral / active EE | $2,938 | $6,350-53.7% | $5,630-47.8% | $6,730-56.4% |
| Admin fee / account holder | $684,867 | $18,654+3571.3% | $16,006+4178.9% | $14,365+4667.5% |