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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 | $893,552 | $129,737+588.7% | $119,126+650.1% | $154,746+477.4% |
| Participation rate | 46.2% | 78.9%-32.7pp | 75.8%-29.6pp | 80.7%-34.5pp |
| Annual return | 23.85% | 379.08%-355.2pp | 282.11%-258.3pp | 172.34%-148.5pp |
| Employer contribution / active EE | $3,232 | $4,375-26.1% | $4,034-19.9% | $4,379-26.2% |
| Participant deferral / active EE | $12,039 | $5,842+106.1% | $5,318+126.4% | $6,730+78.9% |
| Admin fee / account holder | $7,157 | $11,961-40.2% | $10,693-33.1% | $14,365-50.2% |