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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 | $154,228+234.8% | $145,433+255.1% | $137,256+276.2% |
| Participation rate | 52.4% | 83.8%-31.4pp | 82.1%-29.7pp | 80.0%-27.6pp |
| Annual return | 15.71% | 74.59%-58.9pp | 66.58%-50.9pp | 220.34%-204.6pp |
| Employer contribution / active EE | $2,890 | $4,804-39.9% | $4,554-36.6% | $4,156-30.5% |
| Participant deferral / active EE | $5,865 | $8,216-28.6% | $7,897-25.7% | $6,407-8.5% |
| Admin fee / account holder | $48,689 | $14,344+239.4% | $13,129+270.8% | $12,270+296.8% |