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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 | $111,535+701.1% | $105,223+749.2% | $137,256+551.0% |
| Participation rate | 46.2% | 78.1%-31.9pp | 75.0%-28.9pp | 80.0%-33.8pp |
| Annual return | 23.85% | 237.85%-214.0pp | 180.65%-156.8pp | 220.34%-196.5pp |
| Employer contribution / active EE | $3,232 | $3,939-18.0% | $3,689-12.4% | $4,156-22.2% |
| Participant deferral / active EE | $12,039 | $5,500+118.9% | $5,072+137.4% | $6,407+87.9% |
| Admin fee / account holder | $7,157 | $9,721-26.4% | $8,859-19.2% | $12,270-41.7% |