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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 | $369,868 | $85,171+334.3% | $172,753+114.1% | $72,976+406.8% |
| Participation rate | 63.0% | 70.1%-7.1pp | 82.6%-19.7pp | 69.5%-6.5pp |
| Annual return | 18.66% | 27.32%-8.7pp | 803.00%-784.3pp | 81.02%-62.4pp |
| Employer contribution / active EE | $5,535 | $3,324+66.5% | $5,144+7.6% | $2,440+126.9% |
| Participant deferral / active EE | $4,110 | $3,260+26.1% | $5,198-20.9% | $3,608+13.9% |
| Admin fee / account holder | $13,678 | $5,880+132.6% | $13,956-2.0% | $5,124+166.9% |