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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 | $181,062+247.5% | $158,223+297.7% | $155,188+305.4% |
| Participation rate | 50.0% | 82.7%-32.7pp | 79.2%-29.2pp | 80.8%-30.8pp |
| Annual return | 17.22% | 57.39%-40.2pp | 52.09%-34.9pp | 148.84%-131.6pp |
| Employer contribution / active EE | $4,462 | $4,565-2.2% | $4,109+8.6% | $4,248+5.0% |
| Participant deferral / active EE | $8,276 | $6,134+34.9% | $5,467+51.4% | $6,531+26.7% |
| Admin fee / account holder | $188,065 | $18,825+899.0% | $16,047+1072.0% | $14,480+1198.8% |