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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 | $491,815 | $183,592+167.9% | $155,574+216.1% | $145,877+237.1% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 9.75% | 61.37%-51.6pp | 64.87%-55.1pp | 551.28%-541.5pp |
| Employer contribution / active EE | $6,860 | $5,317+29.0% | $4,676+46.7% | $4,663+47.1% |
| Participant deferral / active EE | $7,473 | $6,466+15.6% | $5,629+32.8% | $6,691+11.7% |
| Admin fee / account holder | $3,565 | $19,316-81.5% | $15,914-77.6% | $13,402-73.4% |