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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 | $564,906 | $175,259+222.3% | $149,723+277.3% | $139,487+305.0% |
| Participation rate | 68.4% | 83.4%-15.0pp | 78.8%-10.4pp | 80.3%-11.9pp |
| Annual return | 14.52% | 166.82%-152.3pp | 134.50%-120.0pp | 373.84%-359.3pp |
| Employer contribution / active EE | $4,717 | $5,478-13.9% | $4,821-2.2% | $4,755-0.8% |
| Participant deferral / active EE | $3,565 | $6,522-45.3% | $5,682-37.3% | $6,713-46.9% |
| Admin fee / account holder | $4,887 | $16,158-69.8% | $13,215-63.0% | $11,407-57.2% |