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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 | $516,362 | $162,136+218.5% | $152,301+239.0% | $154,746+233.7% |
| Participation rate | 52.4% | 84.1%-31.7pp | 82.4%-30.1pp | 80.7%-28.3pp |
| Annual return | 15.71% | 91.02%-75.3pp | 80.50%-64.8pp | 172.34%-156.6pp |
| Employer contribution / active EE | $2,890 | $4,890-40.9% | $4,624-37.5% | $4,379-34.0% |
| Participant deferral / active EE | $5,865 | $8,341-29.7% | $8,004-26.7% | $6,730-12.9% |
| Admin fee / account holder | $48,689 | $15,759+209.0% | $14,398+238.2% | $14,365+238.9% |