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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 | $1,092,933 | $183,592+495.3% | $155,567+602.5% | $145,959+648.8% |
| Participation rate | 57.1% | 82.7%-25.5pp | 78.2%-21.1pp | 80.3%-23.1pp |
| Annual return | 23.30% | 61.24%-37.9pp | 64.74%-41.4pp | 561.95%-538.7pp |
| Employer contribution / active EE | $2,259 | $5,315-57.5% | $4,674-51.7% | $4,661-51.5% |
| Participant deferral / active EE | $6,352 | $6,464-1.7% | $5,628+12.9% | $6,689-5.0% |
| Admin fee / account holder | $291,889 | $19,318+1411.0% | $15,916+1733.9% | $13,398+2078.6% |