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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 | $507,370 | $210,510+141.0% | $153,500+230.5% | $145,877+247.8% |
| Participation rate | 66.7% | 82.1%-15.5pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 12.34% | 13.45%-1.1pp | 15.70%-3.4pp | 551.28%-538.9pp |
| Employer contribution / active EE | $29,000 | $6,052+379.2% | $5,039+475.5% | $4,663+521.9% |
| Participant deferral / active EE | $16,615 | $7,974+108.4% | $6,756+145.9% | $6,691+148.3% |
| Admin fee / account holder | $15,071 | $19,455-22.5% | $12,736+18.3% | $13,402+12.5% |