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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 | $629,193 | $185,312+239.5% | $161,489+289.6% | $154,746+306.6% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.7%-28.7pp | 80.7%-30.7pp |
| Annual return | 17.22% | 103.84%-86.6pp | 89.72%-72.5pp | 172.34%-155.1pp |
| Employer contribution / active EE | $4,462 | $4,769-6.4% | $4,268+4.5% | $4,379+1.9% |
| Participant deferral / active EE | $8,276 | $6,350+30.3% | $5,630+47.0% | $6,730+23.0% |
| Admin fee / account holder | $188,065 | $18,654+908.2% | $16,006+1075.0% | $14,365+1209.2% |