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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 | $486,861 | $157,829+208.5% | $136,867+255.7% | $198,609+145.1% |
| Participation rate | 50.0% | 77.2%-27.2pp | 74.5%-24.5pp | 82.4%-32.4pp |
| Annual return | 14.33% | 51.25%-36.9pp | 42.97%-28.6pp | 202.70%-188.4pp |
| Employer contribution / active EE | $5,441 | $3,923+38.7% | $3,547+53.4% | $5,055+7.6% |
| Participant deferral / active EE | $11,613 | $5,463+112.6% | $4,924+135.9% | $6,977+66.4% |
| Admin fee / account holder | $11,406 | $11,107+2.7% | $10,340+10.3% | $19,030-40.1% |